IHG Credit Card Family Rule
Yesterday I shared that IHG has all of a sudden piqued my interest. They previously announced an upcoming refresh of the rewards program but we weren’t really sure where they would go with that. Yesterday part of the plan came out and we saw them completely revamping their credit card portfolio. I was surprised to see that they were actually a good “enhancements”. So good that it has me taking another look at the IHG program and anticipating upcoming changes. There were a lot of questions after the news yesterday, many focusing on the legacy $49 IHG card. We got the answers to those questions and also came up with a nugget that may force your hand in applying for the IHG Rewards Club Premier card. An IHG credit card family rule is coming.
The chance to carry both cards ends on the 24th of March with the IHG Rewards Club Premier card refresh. If you wanted to take advantage of being able to stack the 10% back and 4th night free perks, and get a 2nd welcome offer, then now is the time. Next week it won’t be possible any longer. Remember that you have to be under Chase 5/24 to be eligible and it will count towards your 5/24 count if approved as well.
What Happens To The Legacy $49 IHG Card?
The first question atop everyone’s mind was what happens to the $49 IHG credit card? Will it be product changed to either of the new cards? Does it get any of the new perks?
We were able to confirm that everyone will get to hold onto their legacy cards. Nothing is changing there. You can still get your $49 free night certificate every year. No one is being product changed and nothing is changing with the card.
That also means that it will not be a part of the new perks. You will not be able to add points on top of the free night certificate like with the new IHG® Rewards Premier Credit Card. What we are not sure of if is you carry both cards if the Premier card will unlock the other free night certificate as well. I will let you know when we hear back. This brings me to our next nugget and why you may want to grab a IHG Rewards Club Premier card now.
IHG Credit Card Family Rule Is Coming
Years ago I broke the news that you could carry both IHG cards and that their perks would stack (10% back and 4th night free). That still remains the case today, you can carry both cards, but it will be changing in the future. This is what our contact had to say:
“…once the new card benefits launch, IHG Rewards Select cardmembers can product trade to another Chase IHG Rewards consumer card (Traveler or Premier) but will be unable to apply for a Traveler or Premier card while still holding a Select card.”
So if you currently have the $49 card, and had your eyes on carrying both with the upcoming refresh, then you will want to jump on the IHG Rewards Club Premier card before March 24, 2022. Once the refresh happens, and the annual fee increases, you will be out of luck for carrying both.
Is The 4th Night Free Going Away?
Another question we had was whether or not the 4th night free with the IHG Rewards Club Premier card was going away. People were worried since it wasn’t listed in the perks of the upcoming refresh. We were able to confirm that the perks listed were just the new perks being added and the 4th night free perk is here to stay.
Hopefully we answered some of the questions you all had after yesterday’s news. I am also happy to once again break some news on the upcoming IHG family rule changes. This at least gives you a few months to decide if you need to get your hands on the IHG Rewards Club Premier card or not. If you already have the legacy $49 IHG card, are under Chase 5/24 and want to carry both cards then grab the Premier card now. Because in March it will be too late!