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IHG® Rewards Club Select Credit Card: One of the Best Hotel Branded Cards

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

Image of IHG® Rewards Club Select Credit Card
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"For consumers who don't spend a lot of money on their credit card, and need to stay in a hotel once every 1 or 2 years, this card is a great asset."

Contents

The IHG® Rewards Club Select Credit Card from Chase offers a great way to earn free night stays at any one of the hotel’s 5,200 locations. A decent 3.9% rewards rate, and complimentary free night stay at any location every cardmember anniversary make this one of our favorite hotel credit cards. The card comes with a $0 intro annual fee for the first year, and then costs (a low) $49 each subsequent year – a price we believe is justified by all the benefits being offered here.

Good for... Bad for..
  • Consumers spending less than $17,000 annually on their credit card
  • Individuals who can take advantage of the annual free night
  • Someone looking for a flexible rewards program
  • Anyone who wants one credit card for all their spending needs

Review: Is the IHG® Rewards Club Select Credit Card Worth It?

The IHG® Rewards Club Select Credit Card is one of the best hotel credit cards at its price-point – especially for low spenders. While cards like the Starwood Preferred Guest® Credit Card from American Express offer higher overall rewards, their higher cost can make them a harder sell. If you spend less than $17,000 on your credit card annually (on things like groceries, gas, and dining out), and can take advantage of the annual free night stay benefit provided by the IHG® Rewards Club Select Credit Card, we highly recommend sticking with this card.

If you stay at IHG hotels regularly, or hotels in general (with no preference for brands), it’s worthwhile having this card around just to take advantage of the annual free night offer. You will be coming out ahead, as long as you use the benefit at least once every 2 years (assuming a minimum night stay value of $100).

We mentioned the card’s price point – it comes with a $0 annual fee the first year (as an introductory offer), and then it costs just $49 each year after that. Other top-tier hotel credit cards, such as the Marriott Rewards® Premier Credit Card, have higher annual fees. If annual fees scare you away from credit cards, this is as good as it gets. Virtually no hotel co-branded credit cards come with no annual fee. If you want to avoid these fees altogether, we recommend going with a cash back credit card like the Citi Double Cash or Chase Freedom® Credit Card.

The IHG® Rewards Club Select Credit Card welcome bonus, while higher than average, doesn't stack up against the top offers. For spending $1,000 on purchases within the first 3 months of account opening, you get 80,000 points (roughly a $560 value). Other co-branded credit cards tend to offer far better welcome bonus offers – hurting this card’s short-term earnings potential. The current bonus is at the highest we usually see. Therefore, now is the best time to apply for this card. If you manage to grab one of these better bonuses, this card’s bonus moves from “average” to “great”. If you don't want to wait for the bonus offer to improve, and your credit score is high enough, you can try qualifying for hotel cards that offer more free nights, such as the Citi® Hilton HHonors™ Reserve Card.

Bottom Line: A fantastic credit card offering, especially given the low annual fee. If you can cash in on the annual free night bonus, getting this card is a no-brainer. If you already frequently stay at IHG hotels, all the better. You will enjoy complimentary Platinum Elite Status, and an above average rewards rate (3.9%).

IHG® Rewards Club Select Credit Card Benefits & Features

The IHG® Rewards Club Select Credit Card earns users 5 points for each $1 spent for hotel stays at their hotels. IHG includes InterContiental, Holiday Inn, Haualuxe, and more. If 1 night stay at these places costs $900, and you pay for it using your IHG® Rewards Club Select Credit Card, you would have earned 4,500 points.

IHG Properties
 Staybridge Suites®  Candlewood Suites® InterContinental® Hotels & Resorts  Hotel Indigo®
 Even™ Hotels HUALUXE™  InterContinental Alliance® Resorts  Holiday Inn®
 Holiday Inn Club Vacations®  Crowne Plaza®  Holiday Inn Resort®  Holiday Inn Express®

In addition to the above, using this card for purchases at gas stations, grocery stores, and restaurants earns 2 points per $1. Whether a merchant falls into one of those categories depends on the “merchant code” they are assigned by Visa or Mastercard. All vendors are assigned codes based on the type of product/service they sell. Chase then groups codes that fit into the above mentioned categories, to decide whether a purchase qualifies for the 2 points per $1 offer. All other spending results in just 1 point per $1.

Image of IHG® Rewards Club Select Credit Card
Annual Fee $0 Intro Annual Fee for the first year then $49
Purchase APR 16.99% - 23.99% Variable
Card Details
  • Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening
  • Enjoy an Anniversary Night each year of card membership at over 5,000 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • Automatic 10% points rebate on redemptions
  • $0 introductory annual fee the first year, then $49

There are two more ways of earning points with the IHG credit card. The first is the 80,000 point bonus you can get after spending $1,000 on purchases within the firs three months of account opening (balance transfers, cash advances, and fees do not count towards the minimum spend). We estimate the value of this bonus to be approximately $560.

Every time you redeem your points, you earn 10% of them back (up to 100,000 points back per year). This benefit works as follows: If you use 20,000 points to book a free night stay at a hotel, you get 2,000 points back. We don’t envision many people reaching the 100k point camp on this benefit. To do so, one would need to redeem over 1,000,000 points in one year! (That’s roughly $7,000 worth of hotel stays).

Rewards Rate

The rewards rate on the IHG® Rewards Club Select Credit Card can be between 0.77% and 3.9%. We calculate it in the following way. Assume you spend $1,000 at an IHG hotel. You then earn 5,000 rewards points as a result (5x points at IHG properties). Those 5,000 points can be worth around $35 when redeemed at a value of $0.007 per point. You then of course also get the 10% point rebate, earning you another 500 points (or $3.50). Therefore, after spending $1,000 you walk away with roughly $38.50 ($35 + $3.50) back in your pocket. The rewards rate is calculated by dividing what you earned, by what you spend. In this case, that is $38.50 / $1,000 = 3.85%. We can do the same calculation on the other end of the point earning spectrum (where you earn 1 point per $1), which is how we arrive at the low-end rewards rate of 0.77%.

We compared these high-low values with what users can expect out of some other hotel branded credit cards, in order to see how the IHG card stacks up when it comes to spending rewards. Our results are graphed below.

This graph shows the minimum and maximum rewards rate that users can earn on the IHG Rewards Club Select Credit Card versus two other competing offers: the Marriott Rewards Premier, and the Starwood Preferred Guest

You can find out more about the different available redemption options for your points by reading our comprehensive guide to the IHG Rewards Club.

Annual Free Night

Twelve months from the date your account is opened, and each year you remain a cardmember after that, you will receive a free night stay at any one of IHG’s 5,200 hotels. This benefit alone makes the card an amazing deal. For example, a night at the Crown Plaza hotel in Times Square costs $380 per night – if you take out the annual fee you pay with this card, that comes out to a $331 profit. While you may not always get a top deal, depending on how you use this benefit, you will still be coming out ahead (provided you use the benefit at least once every two years).

The free night expires after 12 months from the date it is issued. This means you cannot stack several of these and use them at the same time. However, you can use this reward in conjunction with rewards points – meaning you can book 1 night available through this benefit, and pay for additional nights using rewards points.

Platinum Elite Status

All IHG® Rewards Club Select cardmembers, in good standing, are automatically given Platinum Elite Status. This is the second-tier membership status, for which users normally require 40 qualifying nights or 40,000 qualifying points to obtain.

Among other things, Platinum Elite Status membership entitles users to complimentary room upgrades (subject to availability), and a 50% bonus to base points (the ones received from simply staying at IHG properties, not the credit card rewards points). IN addition to this, elite members receive all the gold status benefits as well, which includes things such as priority, express check-in.

How Does the IHG® Rewards Club Select Credit Card Compare to Other Credit Cards?

In order to determine if the IHG® Rewards Club Select Credit Card is a good choice for your wallet, you should be aware of some of your other choices. Reading through the following case-by-case comparisons should give you a clearer understanding of all strengths and weaknesses this card possesses.

IHG® Rewards Club Select Credit Card vs Marriott Rewards® Premier Credit Card

The Marriott Rewards® Premier Credit Card is yet another hotel co-branded credit card from Chase Bank, offering a free complimentary annual stay at a hotel (any Category 1-5 hotel). Generally, the Marriott Rewards® Premier Credit Card offers slightly higher rewards than the IHG® Rewards Club Select Credit Card, when it comes to hotel and restaurant spending; for purchases at gas stations and grocery stores the IHG® Rewards Club Select Credit Card is superior. In the short-term, we prefer the welcome offer on the Marriott Rewards® Premier Credit Card will be better for high spenders, who don't use their cards to pay for gas and groceries.

IHG® Rewards Club Select Credit Card vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a top tier travel rewards credit card, that also provides users with the ability to transfer its rewards to IHG® (and many other programs). When it comes to earning IHG rewards points, the IHG® Rewards Club Select Credit Card - the same can be said about earning free nights with the hotel. In those aspects, the IHG card is superior. Users who value flexibility in their rewards program above all else should go with the Chase Sapphire Preferred® Card - it earns users Chase Ultimate Rewards points, which are among the most coveted rewards points available (due to their ability to be transfered, and their high value).

IHG® Rewards Club Select Credit Card vs Starwood Preferred Guest® Credit Card from American Express

The Starwood Preferred Guest® Credit Card from American Express, one of the best credit cards available, is amazing when used to pay for both hotel stays and everyday shopping. Its rewards rate varies from 2.4% to 4.8%, depending on how it's used. Unlike the IHG® Rewards Club Select Credit Card, the Starwood Preferred Guest® Credit Card from American Express does not earn its users any complimentary nights (save for the ones you pay for with rewards points). It would take approximately $17,000+ in annual spending to make up for this $116 deficit in value (assuming a $100 hotel stay, plus the $16 difference in annual fees), year-to-year - that is the point at which the 2.4% rewards rate of the SPG beats out the 1.5% rate users get from gas station, restaurant, and grocery spending. Keep in mind that these calculations assume no brand preference - you should still weigh in which of these hotels you'd prefer to stay at, into your decision.

Comparison Tool

You can use our tool in order to estimate the returns you can expect from each credit card, given your individual and personal spending profile. Going through this process is important for individuals who want to know what to expect, without having to solve through all the math themselves. Simply punch in your monthly spending (by category) and let our calculator do the rest for you.

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Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Starwood Preferred Guest® Credit Card from American Express
$0 introductory annual fee for the first year, then $95. 3.69%
$600
Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
$1,329
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95.
APR 16.24%-20.24% Variable
*Rates and Fees

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.024 = $824
Bonuses
25,000 x $0.024 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,329
Chase Sapphire Preferred® Card
Introductory Annual Fee of $0 the first year, then $95 2.86%
$625
50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
$1,028
Graph Card Read Review More Details
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APR 16.99% - 23.99% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028
Barclaycard Arrival Plus® World Elite Mastercard®
$89 - Waived first year 2.92%
$420
Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
$1,052
Graph Card Read Review More Details
Annual Fee $89 - Waived first year
APR 16.99%, 20.99% or 23.99% Variable

Card Details

  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.011 = $721
Bonuses
40,000 x $0.011 = $420
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 1,052
The Hyatt Credit Card
$75 2.49%
$350
Earn 2 free nights after spending $2,000 within the first 3 months
$897
Graph Card Read Review More Details
Annual Fee $75
APR 16.74% - 23.74% Variable

Card Details

  • Earn 2 free nights at any Hyatt hotel or resort worldwide after you make $2,000 on purchases in the first 3 months after account opening
  • Receive a free night award every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember
  • 3 Bonus Points for every $1 spend at Hyatt hotels and resorts
  • 2 Bonus Points for every $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies
  • 1 point for every $1 spent on purchases anywhere else you use your card
  • Keep all the points you earn - your points do not expire as long as your Hyatt Credit Card account is open
  • As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.018 = $697
Bonuses
0 x $0.018 = $350
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 897
Citi® Hilton HHonors™ Reserve Card
$95 2.29%
$500
Earn 2 weekend nights after spending $2,500 in the first four months
$825
Graph Card Read Review More Details
Annual Fee $95
APR 15.99%

Card Details

  • Earn 2 weekend nights after spending $2,500 in the first four months
  • 10 HHonors Bonus Points for every $1 spent with a participating hotel or resort
  • 5 HHonors Bonus points for every $1 spent on airfare or car rentals
  • 3 points for every $1 spent otherwise
  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.005 = $515
Bonuses
0 x $0.005 = $500
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 825
Club Carlson Premier Rewards Visa Signature Card
$75 2.22%
$315
Earn 50,000 Gold Points after your first purchase; Earn 35,000 points once you spend $2,500 on your card within the first 90 days
$799
Graph Card Read Review More Details
Annual Fee $75
APR 13.99% - 22.99% Variable

Card Details

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • Subject to credit approval

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 171,600 x $0.004 = $635
Bonuses
50,000 x $0.004 = $185
35,000 x $0.004 = $130
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 799
Discover it® Miles
$0 2.15%
$257
Discover will match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
$772
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
257 x $0.01 = $257
Total Net Estimated Rewards Through 24 Months 772
Fairmont Visa Signature® Credit Card
Image of Fairmont Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $95 2.08%
$500
Enjoy 2 complimentary nights with Breakfast for 2 after you spend $3,000 within the first 3 months of account opening
$748
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.99%

Card Details

  • Enjoy 2 complimentary nights with breakfast for 2 after you spend $3,000 within the first 3 months of account opening
  • 5 points for every $1 spent on Fairmont purchases
  • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
  • 1 point for every $1 spent otherwise
  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 748
BankAmericard Travel Rewards® Credit Card
$0.00 1.99%
$200
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
$715
Graph Card Read Review More Details
Annual Fee $0.00
APR 15.99% - 23.99% Variable APR on purchases
*Rates and Fees

Card Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715
IHG® Rewards Club Select Credit Card
$0 Intro Annual Fee for the first year then $49 2.07%
$480
Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
$746
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $49
APR 16.99% - 23.99% Variable

Card Details

  • Earn 80,000 bonus points after you spend $1,000 in the first 3 months of account opening
  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening
  • Enjoy an Anniversary Night each year of card membership at over 5,000 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • Automatic 10% points rebate on redemptions
  • $0 introductory annual fee the first year, then $49

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $315
Bonuses
80,000 x $0.006 = $480
Less Annual Fees -$49
Total Net Estimated Rewards Through 24 Months 746
Stash Hotel Rewards® Visa® Card
$0 Intro Annual Fee for the first year then $85 1.74%
$130
Earn 10,000 Stash points towards free stays at one-of-a-kind hotels when you make $1,500 in purchases on your Stash Visa Card within 90 days of opening your account
$625
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $85
APR 16.24%

Card Details

  • 3 points per dollar at Stash Hotels
  • 2 points per dollar all other hotels, dining and gas
  • 1 point per dollar on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.013 = $580
Bonuses
10,000 x $0.013 = $130
Less Annual Fees -$85
Total Net Estimated Rewards Through 24 Months 625
The Choice Privileges® Visa® Card
No Annual Fee 1.65%
$62
Earn 8,000 bonus points after your first purchase
$593
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.24%, 19.99% or 24.99% Variable

Card Details

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
  • 15 points for every $1 spent at Choice Privileges locations
  • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
  • 2 points for every $1 spent otherwise
  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.008 = $531
Bonuses
8,000 x $0.008 = $62
Total Net Estimated Rewards Through 24 Months 593
Citi® Hilton HHonors™ Visa Signature® Card
No Annual Fee 1.69%
$200
Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
$607
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.99% 19.99% Variable

Card Details

  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
  • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
  • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
  • 2 points for every $1 spent otherwise
  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 81,360 x $0.005 = $407
Bonuses
40,000 x $0.005 = $200
Total Net Estimated Rewards Through 24 Months 607
Ritz-Carlton Rewards Credit Card
$395 1.40%
$930
Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
$504
Graph Card Read Review More Details
Annual Fee $395
APR 15.99%

Card Details

  • Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
  • 5 points for every $1 spent on Ritz-Carlton or partner hotels
  • 2 points for every $1 on airline tickets purchased directly with the airline
  • 1 point per $1 otherwise
  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.011 = $364
Bonuses
0 x $0.011 = $930
Less Annual Fees -$790
Total Net Estimated Rewards Through 24 Months 504
Club Carlson Rewards Visa Signature Card
$50 1.40%
$222
50,000 Gold Points after your first purchase; 10,000 Gold Points after spending $1,500 within the first 3 months
$503
Graph Card More Details
Annual Fee $50
APR 13.99% - 22.99% Variable

Card Details

  • 50,000 Gold Points after your first purchase
  • 10,000 Gold Points after spending $1,500 within the first 3 months

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.004 = $381
Bonuses
50,000 x $0.004 = $185
10,000 x $0.004 = $37
Less Annual Fees -$100
Total Net Estimated Rewards Through 24 Months 503
Best Western Rewards® Premium MasterCard®
$0 Intro Annual Fee for the first year then $59 1.17%
$285
25,000 bonus points after you spend $2,500 in first 3 billing cycles. Also, earn another 25,000 bonus points after you spend total of $5,000 in the first 6 billing cycles
$422
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $59
APR 15.24% - 20.24% Variable

Card Details

  • 10 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Free Upgrade to Best Western Rewards Platinum Status

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
50,000 x $0.006 = $285
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 422
The Wyndham Rewards® Visa Signature® Card
No Annual Fee 1.12%
$60
12,000 bonus points with first purchase
$403
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.24% or 19.99% Variable

Card Details

  • Earn 12,000 bonus points with first purchase
  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.005 = $343
Bonuses
12,000 x $0.005 = $60
Total Net Estimated Rewards Through 24 Months 403
The Wyndham Rewards® Visa Signature® Card
$69 0.99%
$150
Earn 30,000 bonus points with first purchase
$355
Graph Card Read Review More Details
Annual Fee $69
APR 15.24% - 19.99% Variable

Card Details

  • Earn 30,000 bonus points with first purchase
  • 5 points for every $1 spent on participating hotels
  • 2 points for every $1 spent otherwise
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.005 = $343
Bonuses
30,000 x $0.005 = $150
Less Annual Fees -$138
Total Net Estimated Rewards Through 24 Months 355
U.S. Bank Perks+ Visa Signature® Card
No Annual Fee 1.31%
$0
$470
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns)
  • Earn 1 point for every net dollar spent on everything else
  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,040 x $0.01 = $470
Total Net Estimated Rewards Through 24 Months 470
Best Western Rewards® MasterCard®
No Annual Fee 0.86%
$114
10,000 bonus points after you spend $1,000 in first 3 billing cycles. Also, earn another 10,000 bonus points after you spend total of $3,000 in the first 6 billing cycles
$310
Graph Card More Details
Annual Fee No Annual Fee
APR 16.24% - 23.24% Variable

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
20,000 x $0.006 = $114
Total Net Estimated Rewards Through 24 Months 310
Best Western Rewards® Secured MasterCard®
$40 0.40%
$29
5,000 bonus points after your first purchase
$144
Graph Card More Details
Annual Fee $40
APR 21.24%

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
5,000 x $0.006 = $29
Less Annual Fees -$80
Total Net Estimated Rewards Through 24 Months 144

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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