Are You Eligible For The New IHG Card 100K Offer?

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Yesterday Chase introduced an increased welcome bonus on the IHG® Rewards Club Premier Credit Card. This $89 annual fee card has a welcome bonus of 100,000 points after spending $3,000 on purchases within the first three months, plus a further 5,000 points after you add your first authorized user and have them make their first purchase in the first three months, for a total of up to 105,000 points.

Not only is that a solid bonus, but the IHG Premier Card carries some valuable benefits, including:

  • An anniversary free night certificate on your account anniversary every year, valid at any property that retails for up to 40,000 IHG Rewards Club points per night
  • fourth night free on award bookings; when you redeem points for a consecutive four night stay, you only have to redeem points for the cost of the first three nights
  • IHG Rewards Club Platinum status for as long as you have the card
  • A TSA Pre-Check or Global Entry fee credit every four years

One common point of confusion is who is eligible for this card, given the changes that were made to the card in early April.

You can get the IHG Premier Card even if you have/had the IHG Select Card

Up until early April, Chase issued the IHG Rewards Club Select Credit Card. Then they stopped accepting applications for that and instead started issuing the IHG Premier Card.

If you have the old IHG Select Card, you’re still eligible to get the IHG Premier Card, and you absolutely should, in my opinion.

Some people who acquired an IHG Card within the past few months are confused about whether or not they already have the Select or Premier Card. It should be pretty easy to figure out — if you applied before April 5, you have the IHG Select Card, and if you applied as of April 5, you have the IHG Premier Card.

If you want to be able to tell which card you have visually, the designs of the cards are different as well (thanks to reader Allen for pointing this out):

  • The IHG Select Card is light gray, has an orange stripe across it, and has the Mastercard logo in yellow and red
  • The IHG Premier Card is dark grey, and the Mastercard logo is white and gray as well, so the card has a lot less color

You can’t get the welcome bonus if you upgrade from the IHG Select to IHG Premier

It may be possible for you to upgrade from the old IHG Select Card to the new IHG Premier Card. This would maintain your credit history and not require an inquiry on your credit. The catch is that you won’t get the welcome bonus of 100,000+ points if you upgrade, but rather only if you apply outright.

Beyond that, you actually want to have both cards, as I’ll explain below.

The IHG Card isn’t subjected to the 5/24 rule

Chase has what’s commonly referred to as the 5/24 rule, where you can’t be approved for a card if you’ve opened five or more new card accounts in the past 24 months. Not all Chase cards are subjected to the rule, and the IHG Premier Card is one of those exceptions.

So you can get approved for the IHG Premier Card even if you’ve opened five or more new card accounts in the past 24 months.

Why you want the IHG Premier Card even if you have the IHG Select Card

You might say “well why would I want both of these cards?” There are two main reasons you can get a lot of value out of having both of these cards:

  • Each of the cards offers an anniversary free night certificate valid at an IHG property retailing for up to 40,000 points per night; getting that just for paying an annual fee is a great deal, and if you have two then you can use them for back-to-back stays
  • The IHG Select offers a 10% refund on redeemed points (up to 100,000 refunded points per year), and the IHG Premier offers a fourth night free on award redemptions, and you can stack the two; in other words, if you book a hotel costing 50,000 points per night for four nights, you’d end up paying just 135,000 points, or 33,750 points per night, which is a great deal

Bottom line

Hopefully this clarifies some of the common questions regarding eligibility for the IHG Premier Card. The card isn’t subjected to the 5/24 rule, and you can get it even if you have the old IHG Select Card. For that matter, you should especially get it if you have the old IHG Select Card, so you can get two anniversary free night certificates per year, and can stack the fourth night free with the 10% off redemptions.

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Comments

  1. Lucky did you leave BoardingArea did you????
    Well now I think I’m having a hard time kinda looking for the site through the Google app…..
    I’m just curious regarding this as I am a voracious reader of your blog and miss the old days where in some time I could read within minutes and just get back to work…..

  2. @ Red — Nope, and we have no plans to. We haven’t changed the design of the site at all, and if you bookmark onemileatatime.com in your browser you’ll see the homepage with all the most recent articles as always!

  3. Good credit scores (at least 740); always pay in full and on time; currently have 9 credit cards but 6 were opened in less than 2 years.

    Any idea why Chase denied my application considering “you can get approved for the IHG Premier Card even if you’ve opened five or more new card accounts in the past 24 months“?

  4. @ Antella – That is a Hotel Indigo Tel Aviv – Diamond District, the reason I know I was just there in May. It’s only 25,000 points per night while they regularly charge $300 per night.

    @ Lucky – I received my IHG Premier Card like a week ago and tried calling Chase to see if I can get approved for the 100K bonus. I was told that I need to spend the $3,000 instead of the $2,000 for the 80K and than I can call again to have the marketing team to approve the 100K bonus. The agent told me it’s not a guarantee, do you think they will approve me?

  5. I have the old IHG card for 2 years now and still active. Would you recommend cancelling card (after my free night of course), then apply . Can i have both cards at the same time. How safe after cancelling old card to get new card. Thanks

  6. @ Chris D — You can get the new card and keep the old card. I highly recommend doing that, as you’ll get two anniversary free night certificates per year then. Let me know if you have any other questions.

  7. @ Alex Z — Chase generally seems to be pretty good about honoring recent bonuses. I’d suggest maybe sending a secure message and asking that way, so you have it in writing.

  8. @ BlueMountain — While the 5/24 rule doesn’t apply to this card, sometimes issuers still won’t approve people if they see too many applications, or there’s something else in a credit report they don’t like. This seems to be separate from the standard 5/24 rule, though there’s not much consistency to it.

  9. @ Red — Nope, haven’t left BoardingArea, and have no plans to. 🙂 We just made some changes to the URL structure on the site, but I promise I’m not leaving BoardingArea.

  10. So I got this card with the 80k bonus not long ago. Now it’s 100k. You think it’s worth the energy to try to get them to make good on the next 20k?

  11. So could you book the anniversary night from each card, one night with points, and receive the fourth night free for just one single nights point stay?

  12. @ Riley- 20K is worth approximately $100-$120. If you get approved for the higher bonus you’ll have to spend $1000 more and most like won’t get the $50 credit off a purchase. So you’re looking at about $50-$70 in value. Although you can get a more outsized value using points depending where and when you stay. I once got $300 worth of value on 25K points

  13. @Alex Z, I secured message them earlier today, and as Lucky said, I now have it in writing that after I spend the extra grand, I will get the extra 20K!

  14. I’m pretty disappointed that all of the hotels where I would use the free night certificate are far above 40k points so this probably doesn’t make sense for me.

  15. Am I the only one that’s disappointed in the IHG product? I have 120000 points with them, platinum elite status and I rarely see any type of upgrade/recognition. I recently stayed in Tel Aviv at full rate and saw zero perks.

    I moved over to an Marriott Autograph Collection Hotel and was treated like a king for my gold status (and the hotel was MUCH nicer)

  16. Lucky,

    You said you are eligible for the card if you have the old IHG card. How about the bonus? Are you also eligible for the 100K bonus if you have the IHG select?
    Thanks

  17. 50,000 seems to be where the desirable properties are. We love Hotel Indigo and most that we want are all at 50k. I did get this card for the 100k bonus and 4th night free but with top properties being 70k I feel like they need to up the free night to 50k. If i didnt stay at IHG so much for work paid trips i would not have gotten this card.

  18. Card may not count against 5/24 for approval, but does it increase your 5/24 count for other cards?

  19. One of my favorite Crowne Plazas in Europe is still, as of today, listing at 30K. So the certs are still totally worthwhile for me. 🙂

  20. When I spoke to Chase, they said I was NOT eligable for the bonus because I already received a bonus for the old card with the past 24 months. Does this sound accurate or do I need to call back?

  21. @ Joe — The representative was incorrect. Here are the terms from the application: “This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”

    This card is considered separately from the previous card, so you would be eligible, and lots of people have reported luck with this.

  22. @ Joe – I received my IHG Select card in March and I have just received my IHG Premier card two weeks ago. Don’t always believe what the agents tell you.

  23. When I first signed up for this blog it was full of plane seat and hotel reviews. Now it’s all just crap like this. Haven’t seen a decent review in weeks. Have you guys stopped travelling? Reviews, please, now!

  24. i just got approved for the marriott card within the past month, i need to wait 30 days before i try for this chase card right?

  25. Maybe someone mentioned this already, bt it should be stressed (I learned the hard way) that while 5/24 won’t prevent you from getting the card, the card WILL count toward your 5/24 total once you get it.

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