Maximize Your IHG Stays: Choosing the Right Credit Card
When planning your next getaway to an IHG hotel, you might instinctively think that using an IHG One Rewards cobranded card is your best option. After all, these cards offer high earning rates and exclusive perks, such as elite status. While this is a solid choice, it’s essential to consider that there are occasions when another card in your wallet could help you maximize your rewards even further.
Let’s explore some credit card options that could enhance your IHG experience, along with the potential benefits of each. You may be surprised by what you find.
The Case for Cobranded Cards
For dedicated IHG loyalists, holding an IHG cobranded credit card is still a good practice. These cards not only provide you with elite status but also come with various benefits that enhance your hotel stays, such as room upgrades and late checkouts. However, when it comes to paying for your stay, there are other cards that may offer more value.
Why Consider Other Cards?
While the IHG cobranded card may seem like the obvious choice, using a general travel rewards card can sometimes yield better returns. These cards often earn transferable points that can be more valuable over time. Here are a few notable options to consider:
1. American Express Green Card
– This card may surprise you with its earning potential. Although it doesn’t offer IHG-specific perks, the Membership Rewards points can be transferred to various travel partners, including IHG. This flexibility often makes these points more valuable than IHG points.
2. Chase Sapphire Reserve
– The Sapphire Reserve is another strong contender. It provides elevated earning rates on hotel bookings: 4 points per dollar spent directly with IHG and 8 points per dollar spent on IHG hotels booked through Chase Travel. However, be cautious—bookings made through Chase Travel are treated as third-party reservations and won’t earn IHG points. Still, the Ultimate Rewards points earned can be transferred to IHG, allowing you to top off your balance for upcoming redemptions.
3. Other Travel Rewards Cards
– Many other travel rewards cards offer bonus points for hotel stays and can be beneficial for IHG bookings. These cards often provide perks like travel insurance, purchase protection, and no foreign transaction fees, which can enhance your overall travel experience.
Weighing Your Options
When deciding which card to use for your IHG stay, consider two critical factors: the value of the points earned and the benefits attached to your booking. Here’s how to break it down:
– Point Value: Generally, we value Membership Rewards points higher than IHG points due to their transferability and potential uses across various travel partners. This means that if you can earn more valuable points with a general travel card, it may be worth using that card instead.
– Elite Status Benefits: Remember that simply holding an IHG cobranded card is enough to unlock elite status perks. You don’t need to pay for your stay with that card to enjoy benefits like room upgrades or late checkouts. This means you can enjoy the best of both worlds by using a more rewarding card for payment while still reaping the benefits of your IHG card.
Making the Most of Your Stays
While it’s beneficial to have an IHG cobranded card for its perks, it’s not always the best option for paying for your stay. In many cases, a more versatile travel rewards card can provide a greater return on your spending.
For example, if you’re planning to stay at an IHG property, using a card like the Chase Sapphire Reserve could allow you to earn valuable Ultimate Rewards points while still maintaining your elite status through your IHG card. Just be mindful of the booking method—direct bookings will yield better rewards than third-party reservations.
Conclusion
In summary, while IHG cobranded credit cards offer valuable benefits for loyal customers, it’s crucial to evaluate your options when it comes to payment. By considering the point values and the perks associated with your credit cards, you can make informed decisions that maximize your travel rewards.
As you embark on your next IHG adventure, keep these strategies in mind to ensure you’re getting the most out of your rewards. Whether you’re a frequent traveler or planning a special getaway, the right credit card can significantly enhance your experience, allowing you to enjoy your travels more fully.
