IHG Personal 1/24

Understanding the IHG Personal 1/24 rule:

IHG offers three co-branded cards backed by Chase - two personal cards and one business card. The logic of this rule is the same as the 24 from Bonus rule, but it takes it a step further by enforcing family restrictions and including both of the IHG personal cards in the rule. This is from the offer details on the IHG One Rewards Traveler Card:

Important to know:

This means that if you hold and/or received the signup bonus on any IHG Personal card, you are excluded from being approved for and/or earning the signup bonus on either IHG personal cards for the next 24 months. Fortunately this rule does not apply to the IHG One Rewards Business card, so you are allowed to hold both one personal and one business card. But if you want the second personal card, you will have to wait 24 months from the receiving the signup bonus on the first card AND close that card before applying.

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards.  So here’s what you need to know:

• Approval rules are rarely fully publicized by the banks
• We use our own research and data points from other users in creating the rules listing
• Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
• There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.