[ Chase IHG ] Co-Branded Card with Un-Restricted Annual Free Night Redemption


  • Credit Card Type: Hotel rewards card
  • Current Offer: Earn 60,000 IHG points after using your card to make $1,000 in purchases within the first 3 months. 
  • Special Offer: Add an Authorized User to earn additional 5,000 Bonus Points. Complimentary IHG Platinum status. 10% points rebate for redeeming award nights.
  • Bonus Category: 5x points for hotel stay at IHG’s properties. 2x points for dining/gas/grocery. 1x points for all other purchases.
  • Annual Fee: $49 (Waived First Year)
  • Anniversary Bonus: 1 Free Night Certificate for any IHG’s properties worldwide.


1. IHG award nights usually can be redeemed between 10,000 to 60,000 points per night. However, during “Point Break”, which is the special event with the opportunity to redeem for hotel award nights with only 5000 points per night from selected hotels (lists released from IHG website). If one can book hotel award nights through “Point Break” event, you may book up to 12 nights with the sign-up bonus of 60,000 IHG points.

2. IHG Anniversary Free Night Certificate expires one year after issued; however, the stay may be booked after its expiration date. Therefore, you may utilize two anniversary nights during one trip if you can plan the trip wisely. 

3. IHG points usually value less than 1 cent/point. Therefore, we do not suggest to transfer Chase Ultimate Rewards (UR) points to IHG loyalty program.

Restrictions when you apply:

1. Chase Freedom is under Chase’s “5/24 limitation”, which means if you have opened 5 or more new credit card accounts in the past 24 months, you will not be automatically approved for this card. 

2. Chase allows up to two credit card approvals per day, and credit hard-pull will be combined if applied on the same day. 

3. If you are not automatically approved by Chase, you may call Chase Reconsideration Line: 1-888-270-2127.


Chase IHG is one of my favorite Hotel Credit cards. Not only it gives 60,000 IHG points as sign-up bonus that can easily be redeemed for multiple nights of stay, but also the anniversary free night certificate is also worth way above the annual fee of $49. If you stay at hotel at least one night per year, this card is a must-have card to enrich your hotel stay experience. IHG’s loyalty program is one of Chase Ultimate Rewards (UR) system partners. You may transfer Chase UR points at 1:1 ratio to IHG program to redeem for free nights.

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