IHG® Rewards Club Select Credit Card

If you're a frequent flyer or road warrior, an airline or travel card will help you earn perks faster. These cards are generally recommended only if you pay off your balance in full every month. They tend to have a higher interest rate, which means you could end up paying many times over in interest for the airline miles you accumulate. Keep in mind that these cards generally require a good to excellent credit rating for approval.

• Earn 80,000 bonus points after spending $1,000 on purchases within the first three months of account opening
• Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide
• Earn 5 points per $1 spent when you stay at an IHG hotel
• Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
• IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
• Platinum Elite status as long as you're a Select credit cardmember
• Automatic 10% points rebate on redemptions
• $0 Introductory Annual Fee for the first year, then $49 a year

• Free anniversary night
• Bonus rewards categories
• Complimentary Platinum Elite status
• Large hotel network for redeeming

• Has annual fee
• Low-value rewards currency
• Best for those loyal to IHG brand properties