Best cards at IHG Hotels & Resorts
IHG One Rewards Premier Credit Card earns the most at IHG Hotels & Resorts right now at 10x.
Rankings use issuer rates verified as of August 16, 2026.
#110x10xIHG One Rewards Premier Credit Card
Chase · Mastercard · $99/yr
#25x5xWells Fargo Autograph Journey Visa Card
Wells Fargo · Visa · $95/yr
#34x4xU.S. Bank Altitude Connect Visa Signature Card
U.S. Bank · Visa · No annual fee
#44x4xU.S. Bank Business Altitude Connect Visa Signature Card
U.S. Bank · Visa · Business · $95/yr · up to $150,000/yr (combined) · Lower rate after the cap
#54x4xChase Sapphire Reserve
Chase · Visa · $795/yr
#63x3xDelta SkyMiles Platinum Business American Express Card
American Express · Amex · Business · $350/yr
#73x3xDelta SkyMiles Platinum American Express Card
American Express · Amex · $350/yr
#83%3%AAA Travel Advantage Visa Signature Card
Bread Financial · Visa · No annual fee
#93%3%Costco Anywhere Visa Card by Citi
Citi · Visa · No annual fee
#103%3%Costco Anywhere Visa Business Card by Citi
Citi · Visa · Business · No annual fee
Good to know at IHG Hotels & Resorts
IHG Hotels & Resorts accepts every major card network, so this ranking comes down to earning power alone. The co-branded IHG One Rewards Premier Credit Card sits on top at 10x points per stay dollar, which SwipeCaddy conservatively values around 5% back. The catch is standard hotel-card fine print: a $99 annual fee, and rewards arrive as IHG points instead of flexible cash back.
Below the leader the field flattens fast. The Costco Anywhere Visa Card by Citi and the Wells Fargo Autograph Card both return 3% with no annual fee, matching the $95-per-year Citi Strata Premier Card at the same cash value. Airline co-brands like the United Explorer Card earn 2x here and trail the pack. The order holds whether you book online or pay at the front desk.
That structure makes the decision straightforward. If IHG stays are a regular line in your budget, the Premier card's 10x rate is the only thing here that clears 3%, and it is worth weighing against its $99 fee. If you stay a few nights a year, skip the fee entirely; a no-annual-fee 3% card captures most of the value with zero commitment.
The math
Spend $250 a month at IHG Hotels & Resorts and IHG One Rewards Premier Credit Card returns about $150 a year at our valuations — a flat 2% card returns $60.
Common questions
- What is the best credit card at IHG Hotels & Resorts?
- IHG One Rewards Premier Credit Card earns the most at IHG Hotels & Resorts right now at 10x.
- How does SwipeCaddy pick the best card at IHG Hotels & Resorts?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply IHG Hotels & Resorts's card-acceptance rules, so the "best" card is one you can actually use at the register.
- Are the IHG card's 10x points really worth 10% back?
- No. The IHG One Rewards Premier Credit Card earns 10x points at IHG, but points are not worth a cent each. SwipeCaddy's conservative valuation puts the haul at about 5% in cash terms, still the top return here but half the headline number. Compare cards in cash-equivalent terms before paying the $99 annual fee.
- Do I need an annual-fee card to earn well at IHG?
- No. Two no-annual-fee cards, the Wells Fargo Autograph Card and the Costco Anywhere Visa Card by Citi, both return 3% on IHG stays, the same cash value as the $95-per-year Citi Strata Premier Card. A fee only pays off at this merchant if you want the IHG One Rewards Premier Credit Card's roughly 5% rate.
Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.