The Offer
- Chase is offering a bonus of 5 Free Nights (each Free Night valued at up to 40,000 points) $4,000 in purchases within the first 3 months
Card Details
- 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
Our Verdict
Significant downgrade on the last 5 free night offer that was up to 60,000 points per night. Some things to know about the certificates:
- They expire 1 year after being issued
- In the past you have not being able to top up certificates from the sign up bonus with additional points (e.g if a property costs 70,000 points per night it wasn’t possible to add 30,000 points to one of these certificates)
We won’t add this to our list of the best credit card bonuses.
I understand that the certificate expires within a year of issue but let’s say I get the SUB Feb 2025 so it expires by Feb 2026. Does this mean it needs to be used by Feb 2026 or needs to redeemed by this date (i.e could I book for later in May or September)
I’d get this in a heartbeat but they nerfed having more than one card. I still have the old $49 AF card. A shame since most of my hotel stays are with IHG I guess I’ll have to do something else eventually
I had two old cards with the $49 free night and cancelled em both a couple years ago. No regrets. I’ve been churning the new SUB every 2 years and collecting the free night at 12 months just prior to cancelling. 4th night free has been handy as well.
I’m still waiting for Boundless 5FN offer lol
The only IHG hotels I would want to stay in are either way over 40k a night or 20k a night and thus a terrible value to use certs at, but we have the $49 AF card, so once or twice a year we’ll just use a cert at a 20k Candlewood suites or something. But yea any more than once or twice I would really struggle to use certs.
A much better 170k offer on the Premier and 100k on the 0 AF is out there as well.
https://creditcards.chase.com/a1/ihg/Traveler12325AEP?CELL=6M1W&cm_sp=WEB-_-6C-_-HOME-_-HERO-_-US-EN-_-CC-_-CHASEPREMIERQ12025
Thanks
Finally! I’ve been waiting for that offer for months.
Just used these. Last week at the Singapore Intercontinental, very nice hotel and great redemption. And this week at the Offenbach Holiday Inn Express, near Frankfurt. Only okay hotel as I could not get anything nicer in Frankfurt.
Yeah but you got the 60k and not the 40k certs right? I can barely use these 40k ones at upper tier Holiday Inns in the US.
40k cap is too low to be interesting on the personal version.
I see people complaining about not being able to redeem these, but I just did this offer at the end of last year for 140k points. I was able to get 5 nights in Holiday Inn Munich City Centre for 119k points. Did it in 2 separate booking to use buy 3 get 4th night free deal and had them combine the stays. Saved about $1k and still have some points left over.
I thought free night certs don’t count towards 4th night free.
My offer was for 140k points, not free night certs. Seems that might be better than this even though this is more points per night.
So you are comparing apples with oranges
Actually I was talking about your post which you mentioned not being able to use 60k certificates so I wanted to mention I was able to use my certificates for the hotel I wanted.
Did you use 140k points or certificates
119k points. I said so above: I was able to get 5 nights in Holiday Inn Munich City Centre for 119k points. Did it in 2 separate booking to use buy 3 get 4th night free deal and had them combine the stays.
Those are 2 different things, where you clearly don’t understand where the complain come from.
you are booking nights with points those have 2 advantage
Your points doesn’t expire (certificate does)
you have flexibility to use 3 get 4th,
As for 60K certificate it is hard to use because Those certificate value is 60K if you redeem a 40K room you are leaving 20k point value to waste and you can’t combine it with 3 get 4th
For example if
Arthur Shelby booked the same 5 nights at the same hotel you stayed 5 nights. He/She will use up all 5 certificates worth 300K which means the SUB actually only worth 119k points, leaving 180K on the table,,, would you do that?
You will say then why not redeem a 60K property? You would think that a 60K certificate would cover property like InterContinental or Kimpton, No those property are usually higher than 60K, so you are stuck because redeem night are majority around 30K-50K or above 60K and 60K is not a good certificate to have especially you can’t top off it>
Of course you can use it for cheaper 30k-40k property but then it defeated the purpose of getting a 60K certificate where 20% of value is wasted
So my advice to anyone consider sign up for certificate offer. DON’T DO IT. Especially this one 5 x 40K offer is like a 160K point offer, because if you take 160K offer you can use the 3 get 4 night free which at the end you are getting a total of 5 night after all. And no expiration to worry about and you wont waste the value of certificate if you redeem anything below 40K
Can’t even use the 60k certs from the previous offer. All hotels that I go, don’t make anything available during the weekend, or have crazy unjustifiable point prices.
Just make sure you are using the right rate. It is a “cash” rate and then the free night properties show up when you select the FNC rate option. It should apply for any property at 60K or less per night. You won’t see the certificate option if you look for a points rate (although a points search can be helpful to see which properties you can book).
Anyone have any insight on when Chase may increase the SUB on the business card? 140k is just too low for me to sign up…