| Annual fee | $0. | $99. |
| Sign-up bonus | Earn 120,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening. | Earn 5 Free Nights after spending $5,000 on purchases in the first 3 months from account opening. |
| Rewards rate |
- Up to 17 points total per $1 spent at IHG (5 from card, 10 from loyalty program, 2 from automatic elite status).
- 3 points per $1 spent on monthly bills, gas stations and restaurants.
- 2 points per $1 spent on all other purchases.
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- Up to 26 points total per $1 spent at IHG (10 from card, 10 from loyalty program, 6 from automatic elite status).
- 5 points per $1 spent on travel, gas stations and restaurants.
- 3 points per $1 spent on all other purchases.
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| Other perks | Fourth night free when redeeming rewards for four or more nights. Earn Gold status when you spend $20,000 or more on your card in a calendar year. |
- Free anniversary night each year (up to 40,000 point value).
- Fourth night free when redeeming rewards for four or more nights. Automatic Platinum status.
- Get up to $50 United® Airlines TravelBank Cash each calendar year; registration required.
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| Foreign transaction fees | None. | None. |