Best Credit Card for IHG Hotels in 2026
We ranked every major cash back credit card by what you actually earn at IHG Hotels. The top pick earns 10% — here's the full breakdown.
8 cards earning 2%+ at IHG Hotels · sorted by highest cash back · updated Q2 2026
Why #1: Top pick: earns 10% cash back at IHG Hotels — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.
Why #2: Top pick: earns 10% cash back at IHG Hotels — the highest rate available. Annual fee of $395/yr is easily offset by heavy use.
Why #3: Top pick: earns 8% cash back at IHG Hotels — the highest rate available. Annual fee of $795/yr is easily offset by heavy use.
Why #4: Top pick: earns 5% cash back at IHG Hotels — the highest rate available. No annual fee required.
Why #5: This rotating category is active right now — swipe this card at IHG Hotels to earn 5% cash back this quarter (activation required at issuer site).
Why #6: Top pick: earns 5% cash back at IHG Hotels — the highest rate available. No annual fee required.
Why #7: Top pick: earns 5% cash back at IHG Hotels — the highest rate available. No annual fee required.
Why #8: Top pick: earns 5% cash back at IHG Hotels — the highest rate available. No annual fee required.
Frequently Asked Questions
What is the best credit card to use at IHG Hotels?
The best card at IHG Hotels right now is the Citi Strata Premier℠ Card, earning 10% cash back. 10x ThankYou Points on hotels, car rentals, and attractions booked via CitiTravel.com (≈10% value toward travel)
Does any credit card offer more than 2% at IHG Hotels?
Yes — the Citi Strata Premier℠ Card at 10%, the Capital One Venture X Rewards at 10%, the Chase Sapphire Reserve® at 8% all earn above 2% at IHG Hotels.
What are rotating category credit cards?
Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When IHG Hotels's category is active, these cards can be the top earners.
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Search All Stores →Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.