IHG One Rewards Credit Card

As an IHG One Rewards Credit Cardmember, you’ve automatically earned IHG One Rewards Silver Elite status with additional benefits.

Exclusive access to member rates

Access our lowest rates, exclusive only to members, when you book directly with IHG^®.

Bonus earnings on top of base points

Silver Elite members earn a 20% bonus on top of base points on most IHG stays.

No blackout dates for Reward Nights

Book nights where you want, when you want them.

Late Check-out

Stay a little longer. We can extend check-out up until 2 PM if the room is available.

Complimentary Wi-Fi

Stay connected while you're away at IHG hotels.

Points don’t expire

Use your IHG One Rewards points now or save them for later–⁠it's your choice.

Spend $15,000 and earn Gold Elite status

Starting 2027, earn IHG One Rewards Gold Elite status after you spend $15,000 on purchases each calendar year.

Redeem 3 nights, get 4th night free after $5,000 in annual spend

Starting 2027, spend $5,000 on your IHG One Rewards Credit Card in a calendar year the fourth Reward Night is free when you redeem points for any stay of four or more nights. This benefit will be available for the remainder of the calendar year earned and the next calendar year.

Save 30% on points purchases

A few points short of a Reward Night? Enjoy a 30% discount when you purchase points with your IHG Card.

No Foreign Transaction Fees

Experience the world without paying a fee on international purchases.

Enjoy 5 Elite Night Credits

Receive 5 Elite Night Credits at the start of each calendar year providing a head start towards a Milestone Reward and your next status tier.

Travel Protection

The travel benefits that come with your IHG One Rewards Credit Card give you peace of mind.

Trip Cancellation and Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.

Travel and Emergency Assistance

If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)

Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.,

Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.

Auto Rental Coverage

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.

Purchase Protection

You can shop with confidence knowing your purchase has built-in protection.

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.,

Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.

Fraud Protection

Your IHG One Rewards Credit Card includes protection from fraud.

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.