DOC Compass — Offers, decoded

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The Offer

Chase has changed/increased the signup bonus offers on their $99 IHG One Rewards Premier
card and on their no-fee IHG One Rewards Traveler card.

IHG Premier – Earn up to 185,000 bonus points: Earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening + earn 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening for a total of 185,000 bonus points.
IHG Traveler – Earn up to 125,000 bonus points: Earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening + earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points.

IHG Premier:

Annual fee of $99 (not waived the first year)
Card earns at the following rates:
- 26x points per $1 spent on IHG properties (10x from the card + 15x from status and club membership)
- 5x points per dollar spent on travel, dining & gas
- 3x points per $1 spent on all other purchases
Free night certificate on card anniversary (worth 40,000 toward a stay)
Automatic Platinum elite status
Fourth Reward Night Free on any stay of 4 or more nights
20% discount when purchasing points
Global Entry or TSA PreCheck fee credit
Earn a $100 statement credit and 10,000 bonus points once you spend $20,000 in a calendar year.
When you spend $40,000 in a calendar year, you will qualify for Diamond Elite Status through December 31st of the following year.
Receive up to $50 United TravelBank Cash each calendar year after registering your IHG Rewards Premier Credit Card with your MileagePlus account.
This product is available to you if you do not have a current IHG® Rewards Credit Card (any IHG personal card) and have not received a new Cardmember bonus within the last 24 months (on any IHG personal card). This restriction does not apply to Business Card Credit Card products.
Chase 5/24 rule applies to this card

IHG Traveler:

No annual fee
Card earns at the following rates:
- 5x points per $1 spent on IHG properties
- 2x points per $1 spent on gas stations, grocery stores and restaurants
- 1x points per $1 spent on all other purchases
Gold elite status when you spend $10,000 on your card each calendar year
Fourth Reward Night Free on any stay of 4 or more nights
20% discount when purchasing points

The 200k business IHG offer just ended, and they’ve now revamped the signup offer on the two consumer cards:

The $99 Premier card is increased from 175k to the new 185k offer, though the spend increased from $5k to $6k too. Overall a positive change.
The no-fee Traveler card was recently 2 nights + 40k bonus ($2k spend) and is now 125k bonus ($4k spend). Kind of a wash, but some people will prefer the newer offer for flexibility.