Exception to the Rule Allows 2nd Bonus on IHG Card!

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The fastest way to Big Travel with Small Money is credit card sign-up bonuses.  And I love when it’s possible to get a bonus for the 2nd time!

Via FlyerTalk, you can get the Chase IHG Rewards sign-up bonus again if you’ve had it in the past.  Even if it’s been less than the usual 24 months Chase makes you wait since you last got the bonus.

That’s because there’s an exception to the rule that I’ll explain!

Exception To The Rule Allows 2nd Bonus On IHG Card
80,000 IHG Points Could Get You Free Nights at Intercontinental Hotels, Holiday Inn Hotels, and More

The standard sign-up bonus for this card is 60,000 points after you spend $1,000 in the 1st 3 months.  But there’s a better offer for 80,000 points in the Wiki on this FlyerTalk thread.

Emily and I don’t earn a commission from this card, but we’ll always share the best offers with our readers!

Is this card worth getting again?  I think so!

What’s the Deal?

Link:   Chase IHG Rewards (FlyerTalk Thread)

You can get the Chase IHG Rewards MasterCard again if you’ve had the Visa version in the past.  That’s because the new version is considered a different card product.

Until recently, Chase has restricted folks from earning another sign-up bonus if they’ve already gotten 1 before.  But they’ve changed the rules and now most of their card applications (including the IHG card) state:

This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.

That said, folks on FlyerTalk report they’ve gotten the bonus a 2nd time (in less than 24 months) if they closed the Visa version before it changed to MasterCard.

Exception To The Rule Allows 2nd Bonus On IHG Card
If You Cancelled the IHG Card When It Was Still a Visa, You Could Get the Bonus Again Without Waiting 24 Months

Something similar happened when the Chase Ink cards switched from being issued as MasterCards to Visa cards.  Folks were able to get the sign-up bonus a 2nd time!

I like it when banks make it easier to get the bonus on the same card again!

Is This a Good Card?

The Chase IHG Rewards card doesn’t get as much attention as other Chase cards, but I think it’s a very good deal.

With this card, you’ll get 80,000 points after you spend $1,000 in the 1st 3 months.  And you’ll also get:

  • A free night at any IHG hotel each account anniversary
  • Platinum elite status for as long as you have the card (free room upgrades!)
  • 5 points per $1 you spend at IHG hotels
  • 2 points per $1 you spend at gas stations, grocery stores, and restaurants
  • 1 point per $1 you spend on everything else
  • 10% rebate on redeemed points
  • No foreign currency fees
  • Annual fee of $49, waived for the 1st year
IHG hotels include Candlewood SuitesCrowne PlazaHoliday InnHoliday Inn ExpressHotel IndigoIntercontinental Hotels & Resorts, and Staybridge Suites brand hotels.  And they’ll soon be adding Kimpton Hotels (a boutique hotel chain).
Exception To The Rule Allows 2nd Bonus On IHG Card
You Could Use Your Points to Stay Right on the Harbor at the InterContinental, Hong Kong

You could get a lot of Big Travel from 80,000 IHG points.  A top-tier IHG hotel, like the InterContinental Bora Bora Resort Thalasso Spa, costs 50,000 points per night.

And you can upgrade for free to an overwater bungalow, like the 1 Emily and I stayed in on our 2nd honeymoon!

Exception To The Rule Allows 2nd Bonus On IHG Card
We Used IHG Points to Stay at the InterContinental Bora Bora Resort Thalasso Spa

Or you could use your points for lots of award nights by booking discounted PointBreaks rooms.  They only cost 5,000 points per night.

Keep in mind, you can use the anniversary free night from this card at any IHG hotel.  For a $49 annual fee, this is a super deal, considering some of their hotels cost over $1,000 per night!

Exception To The Rule Allows 2nd Bonus On IHG Card
You’d Pay 97,005 Francs, or ~$1,003, for a Night in an Overwater Villa in Bora Bora

I think the anniversary night alone is a good reason to get (and keep) this card.

Bottom Line

Folks on FlyerTalk report that you can get the sign-up bonus on the Chase IHG Rewards card again if you cancelled the Visa version in the past.  It’s now a MasterCard, which is considered a different card product.

There’s an 80,000 point sign-up bonus offer on this FlyerTalk thread.  We don’t earn a commission for this card, but Emily and I will always tell you about the best offers!

I think this is a very good card, especially because you get a free night at any IHG hotel on your card anniversary.  That could be worth much more than the $49 annual fee (waived for the 1st year).

Have you had this card before?  Would you get it again?

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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