IHG Credit Card Loses Value with Perk Cut-Back

a card with text and numbers on it

The IHG Rewards Club MasterCard, issued by Chase, has long been a favorite of the frequent-traveler crowd. For good reasons:

  • A 60,000-point sign-up bonus, after spending $1,000 within three months
  • A modest $49 annual fee, waived the first year
  • Platinum elite status
  • A free night at any IHG hotel on the cardholder’s anniversary

That’s a lot of value in a card with a decidedly modest annual fee. Too much value, apparently, because the free-night perk is being pared back.

Beginning on May 1, the annual free night benefit will only apply at IHG hotels that would normally be priced at 40,000 points or less on the IHG Rewards award chart. IHG award nights can cost as much as 70,000 points, so clearly this is a significant devaluation.

A surprise? Not really. Free anniversary nights from other hotel co-branded cards are restricted as well. With Marriott’s Premier card, the free night is limited to Category 1 – 5 hotels. And Hyatt cardholders are limited to Category 1 – 4 hotels for their anniversary free nights. The popular Starwood Preferred Guest co-branded card offers no free anniversary night at all. So there was no competitive pressure to offer unrestricted access. Result: regression to an increasingly stingy mean.

After 20 years working in the travel industry, and almost that long writing about it, Tim Winship knows a thing or two about travel. Follow him on Twitter @twinship.

This article first appeared on SmarterTravel.com, where Tim is Editor-at-Large.


  1. Paul L Davis says

    So does this mean I should rush to book any unused free nights I have with this program?

  2. Tim Winship says

    Paul – If you have unused certificates issued before May 1, they should still be good for free nights at any IHG hotel. The new restrictions apply to certs issued after May 1.

  3. Rees says

    Do you think this will also get applied to the UK IHG premium card by Creation? It’s a much lower sign up and higher annual fee…

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