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IHG 100k Offer is a total no brainer.
Just to be completely upfront, as of the writing of this article, I make no commission, referral bonus, etc off you signing up for a Chase IHG credit card. I wish I did, lol, because it’s truly a card that I love to promote and one that I happily pay the $49 annual fee. Why? Did you see the hotel my family stayed at in Cannes, France?!? The legendary Intercontinental Carlton? You get a free night every single year you keep the card AT ANY IHG PROPERTY IN THE WORLD. Add a few other perks, and a mega 100k sign up bonus and the Chase IHG card is a total no brainer.
UPDATE: NOT EVERYONE IS TARGETED via the link. Also, there as been success applying for the 80k offer ( which is public) and matching to the 100k (frequent miler). My apologies for the confusion
This card isn’t under the Chase 5/24 rule.
According to DOC, the IHG card isn’t regulated by Chase’s 5 new account openings in the past 24 month rule. So even if you’re a mega churner, you won’t have to worry about 5/24 disqualifying you. However, if you currently hold the card, or if you don’t, but you’ve received a signup bonus in the past 24 months you aren’t eligible for the 100k signup bonus.
The Biggest perks to me…
- 1 Free Night ANYWHERE, annually
- It usually loads 30 days before the annual fee hits.
- 10% back on redeemed points, up to 100k a year.
I’ve used a free night to stay at the Intercontinental Austin.
I have the card, but would love another 100k. Should I cancel and sign up again?
- One, I love where your head’s at.
- Two, Are you worried about 5/24 at all
- It will add to this number
- Three, You could buy the points for $500-600 when IHG puts their points on sale
- is the added number to your 5/24 worth more than $500?
- is it worth the extra hard pull, effect on your credit?
- Four, If you do so, realize that you should wait 30 days before signup back up.
- Chase has been known to reinstate closed accounts in that time period. Meaning…you’re SOL and lost out
- DW at AYP had a different experience, so it’s not steadfast…
Miles I don’t need all the Fancy Schmancy stuff like you
You may love this card even more. Awards start at 10,000 points and go up to 60k for hotels like the Intercontinental Park Lane.
IHG also releases PointBreaks where awards start at just 5k per night. That means the sign up bonus could earn you up to 20 nights.
Having this card saved my family over 180k points on our $125k Surprise Trip Around the World celebrating my Mom’s 75th birthday.
All three of us carry the card. We used two free credit card nights for the Intercontinental Carlton which normally goes for 60k a night. We also redeemed 670k points – 67k were refunded back because of the IHG credit card. That’s 187k IHG points in value. Not to shabby for a $49 annual fee.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card went through a major refresh in 2026 adding new bonus categories, travel protections, statement credits, and remains one of the best travel starter cards in the market. It earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott. Note that Hyatt is now a 4:3 transfer partner
Welcome Offer
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
Earn
- 5x on all travel purchased through Chase Travel℠
- NEW ACCELERATED EARN CATEGORY: 3x points on gas and EV charging
- NEW ACCELERATED EARN CATEGORY: 3x points on vacation homes at top brands
- Cardmembers will earn 3x points on vacation homes at these top brands: Airbnb, Vrbo, Plu Guide, HomeAway, Homestay.com and Vacasa.
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- 2x on all other travel
- 1x on everyday purchases
- 5x points on Lyft rides Earn 5x total points on eligible Lyft rides including ride share, bike and scooter rides and subscription and membership products through September 30, 2027.
- 5x total points on Peloton equipment Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.
Benefits and Credits
- $100 Annual Chase Travel Hotel Credit via Chase Travel℠
- NEW: $120 Global Entry, TSA PreCheck or NEXUS fee credit Cardmembers will receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to the card.
- NEW: Complimentary Apple TV subscription for one year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® Card is great starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Chase Ink Business Cash® , Chase Ink Business Unlimited® you can combine the points into the Sapphire Preferred account and transfer into hotel and airline partners
Annual fee remains quite low at $95 a year and if you use the $100 Annual Chase Travel Hotel Credit via Chase Travel℠ you’ll wipe out that annual fee every year. It has great bonus categories and other useful statement credits to enhance your travel.
One thing that is a bummer is Chase lowered the transfer ratio to World of Hyatt from 1:1 to 4:3.
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