Chase IHG Premier Credit Card: 160,000 Points, 10,000 Authorized-User Bonus and $100 in IHG Dining Credits

Chase has launched an elevated welcome offer for the IHG One Rewards Premier Credit Card that includes up to 170,000 IHG One Rewards points and $100 in IHG Food & Beverage Rewards.

The offer provides:

160,000 IHG One Rewards points after spending $3,000 on purchases during the first three months.
10,000 additional points after adding an authorized user who makes a purchase during the first three months.
$100 in IHG Food & Beverage Rewards after opening the card.
A $99 annual fee.

That brings the total possible bonus to 170,000 IHG points plus $100 in hotel dining credits.

OFFER LINK

Important: This May Be a Targeted Offer

The elevated 160,000-point offer appears to be available through a secure Chase link or inside the Chase app. Chase’s publicly accessible application page currently displays a lower offer of 140,000 points after $3,000 in spending.

Check the offer displayed on the application page carefully before submitting your application. The application should explicitly show the 160,000-point bonus and $100 in IHG Food & Beverage Rewards if you are eligible for the elevated version.

Chase IHG Premier Welcome Offer

New cardmembers can earn the following:

160,000-Point Spending Bonus

Earn 160,000 IHG One Rewards points after spending $3,000 on purchases within the first three months after account opening.

This is a reasonable minimum-spending requirement for such a large hotel-points bonus. Depending on where and when you redeem the points, 160,000 points could potentially cover several nights at IHG properties.

10,000-Point Authorized-User Bonus

Cardholders can earn another 10,000 bonus points after:

Adding an authorized user during the first three months.
Having that authorized user make at least one purchase during the same period.

The purchase requirement appears to be minimal, although you should always review the exact terms displayed with your offer. Completing this step increases the total welcome bonus to 170,000 IHG points.

Remember that the primary cardholder is responsible for all purchases made by an authorized user.

How the $100 IHG Food and Beverage Credit Works

The $100 benefit is not a conventional statement credit that can be used at any restaurant. Instead, cardholders receive five separate $20 IHG Food & Beverage Rewards.

These rewards can be applied toward eligible food-and-beverage charges placed on your hotel room bill during an IHG stay.

Eligible purchases may include:

Hotel restaurant charges
Room service
Minibar items
Food and drinks purchased from eligible hotel markets, pantries or cupboards
Certain gratuities when included on the room bill

You must be checked into an eligible IHG hotel, and the charges must be added to your room bill. Purchases paid directly with a credit card or cash cannot later be reimbursed with a Food & Beverage Reward.

Important Food and Beverage Reward Restrictions

Each $20 reward can generally be used only once. Therefore, it is best to redeem each certificate against at least $20 in eligible charges. If you use a $20 reward against a $12 charge, you may forfeit the unused $8.

Multiple Food & Beverage Rewards can be applied during the same hotel stay. You must redeem them through your IHG One Rewards account or app before checking out.

The rewards may take up to eight weeks to appear and are reportedly valid for 12 months from the date they are deposited into your account.

Excluded purchases generally include:

Vending-machine purchases
Third-party food delivery
Gift-shop purchases
Restaurants that do not permit charges to the room
Some independently operated hotel restaurants
Certain taxes and minibar-related taxes

Food & Beverage Rewards are also excluded at Iberostar properties, IHG Army Hotels, InterContinental Alliance Resorts and select Six Senses locations.

Because of these restrictions, the $100 benefit is most valuable to travelers who expect to complete one or more IHG stays during the next year.

IHG Premier Card Benefits

The IHG One Rewards Premier Credit Card has several ongoing benefits that can justify its $99 annual fee even after the welcome offer is completed.

Anniversary Free Night

Cardholders receive an Anniversary Free Night after each account anniversary. The certificate can be used at eligible IHG hotels costing up to 40,000 points per night.

IHG also allows cardholders to add points from their account to book a hotel costing more than 40,000 points. This makes the certificate more flexible than a free-night certificate with a strict redemption cap.

Fourth Reward Night Free

When you redeem IHG points for a stay of four or more consecutive nights, the fourth night costs zero points.

For example, a hotel costing 25,000 points per night would ordinarily require 100,000 points for four nights. With the IHG Premier card’s fourth-night-free benefit, the same stay would cost 75,000 points.

This benefit can substantially increase the value of the 170,000-point welcome offer.

Automatic IHG Platinum Elite Status

IHG Premier cardholders receive automatic IHG One Rewards Platinum Elite status for as long as they hold the card.

Platinum benefits may include:

A 60% bonus on base points
Complimentary room upgrades when available
A welcome amenity at check-in
Elite rollover nights
Access to selected Reward Night discounts

Upgrades and some other benefits depend on availability and the individual hotel.

Up to $50 in United TravelBank Cash

Cardholders can receive up to $50 in United Airlines TravelBank Cash each calendar year after registering the card with an eligible United MileagePlus account.

The benefit is normally distributed as two $25 TravelBank deposits during the year.

Global Entry, TSA PreCheck or NEXUS Credit

The card provides a statement credit of up to $120 every four years when an eligible Global Entry, TSA PreCheck or NEXUS application fee is charged to the card.

Annual Spending Bonus

Cardholders who make at least $20,000 in purchases during a calendar year receive:

A $100 statement credit
10,000 IHG bonus points

This is separate from the $100 in IHG Food & Beverage Rewards included with the elevated welcome offer.

IHG Premier Card Earning Rates

The card earns:

10X IHG points on purchases at IHG Hotels and Resorts
5X points on travel
5X points at restaurants
5X points at gas stations
3X points on all other eligible purchases

When the card’s 10X earning rate is combined with the points earned as an IHG member and the bonus from Platinum Elite status, cardholders can earn up to 26X total points per dollar on qualifying IHG hotel stays.

Application Eligibility

The card is generally unavailable to applicants who:

Currently have any personal IHG One Rewards credit card.
Previously had a personal IHG credit card and received a new-cardmember bonus on an eligible personal IHG card during the past 24 months.

IHG business cards are generally treated separately from the personal-card eligibility restriction. Always review the eligibility language shown on your application because Chase can modify or apply offer terms differently.

The card is also generally subject to Chase’s unpublished 5/24 application policy, meaning approval may be difficult if you have opened five or more personal credit cards across all issuers during the previous 24 months.

Is This IHG Premier Offer Worth Applying For?

The elevated offer is compelling for travelers who can use IHG points and expect to stay at an IHG hotel before the Food & Beverage Rewards expire.

The strongest parts of the offer are:

A manageable $3,000 minimum-spending requirement
Up to 170,000 total IHG points
$100 in hotel food-and-beverage credits
An annual free-night certificate
Automatic Platinum Elite status
The fourth night free on point-redemption stays
Up to $50 in annual United TravelBank Cash

The $100 Food & Beverage benefit is less flexible than a standard statement credit because it is divided into five $20 rewards and can only be used against qualifying room charges during an eligible IHG stay. Still, travelers who regularly stay at Holiday Inn, Holiday Inn Express, Crowne Plaza, Hotel Indigo, Kimpton, InterContinental or other participating IHG brands should be able to get meaningful value from it.

Make sure the application page displays the complete elevated offer before applying. The public Chase page may show a different bonus.

OFFER LINK

Credit-card offers can change or disappear without notice. Review the complete application terms before applying. This article is for informational purposes and does not constitute financial advice.

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