Issued by Creation
Financial Services
Make everyday spending more rewarding with the IHG® Rewards Club Credit Card

IHG Rewards Club

22.9% APR (variable) Representative

Ready for rewards? Find out if you’re eligible for an IHG Rewards Club Credit Card without affecting your credit rating.

To apply for a card you should:

  • Be aged 18 or over
  • Not have County Court Judgments or Court Decrees, or be bankrupt or otherwise insolvent
  • Have a minimum annual income of £10,000 and not be claiming unemployment benefits

IHG® Rewards Club Credit Card

Apply today* and enjoy:

  • 10,000 reasons to smile
    You’ll earn 10,000 IHG Rewards Club bonus points when you spend £200 in the first 3 months of opening your account.
  • New reasons to spend
    You’ll earn IHG Rewards Club points every time you spend on the card, which you can redeem on anything from free hotel stays at IHG properties, to some well-deserved retail therapy.
    • Earn 2 IHG Rewards Club points for every £1 you spend at any IHG family of hotels
    • Earn 2 IHG Rewards Club points for every £1 you spend abroad
    • Earn 1 IHG Rewards Club point for every £1 you spend everywhere else
  • Gold Elite Status
    You’ll automatically reach Gold Elite Status when you open your account*, meaning you can enjoy these benefits when you stay:
    • 10% extra bonus points on top of your usual points
    • Priority check-in on guaranteed reservations
    • Extended check-out
    • No blackout dates on your Reward Nights
    • Dedicated customer service line
  • Points for your partner
    You’ll be able to sign up for a complementary card^ for your partner or family member, which could help you earn IHG Rewards Club points even quicker. With two of you earning on one account, you’ll be even closer to reaching your desired treat.
  • 0% on Balance Transfers for 12 months#
    You’ll be offered a fantastic 0% rate on Balance Transfers, so when you transfer balances from your other credit cards within the first 3 months of opening your account, you’ll pay no interest for 12 months.

Representative Example:

Representative APR: 22.9% APR variable
Standard Purchases: 22.9% variable
Annual fee: No annual fee
Assumed credit limit: £1,200

Note: This is for illustrative purposes only and actual total amount of credit may differ. 

It's all about you

IHG Rewards Club is all about you, and giving you the freedom to do the things you love.

As a member, you'll have access to exclusive offers and discounts at stunning IHG properties worldwide. Even better, you could earn IHG Rewards Club points to be redeemed against a number of exciting rewards. How does a free flight to your next adventure sound, or perhaps a Reward Night at a trusted IHG hotel? It's completely up to you; all you have to do is choose.

Whether you love to travel and explore new cities or just enjoy unwinding in a relaxing hotel, there's something to suit you, and the IHG Rewards Club Credit Card could be the perfect way to get you there. Using your card to buy a train ticket, or shop in your local grocery store, you'll earn IHG Rewards Club points - helping you turn your everyday spending into a well-deserved treat even quicker.

Remember; earning is effortless, redeeming is simple.

Make everyday spending more rewarding with an IHG Rewards Club Credit Card.

Terms and conditions

  • *All applications for credit cards are subject to status. Actual credit limit and rate offered will be based on your individual circumstances. Applicants for credit must be aged 18 or over and a UK resident. Applicants must not have County Court Judgments or Court Decrees, or be Bankrupt or otherwise Insolvent, at the date of application. Terms and Conditions apply. See IHG® Rewards Club Credit Card Terms & Conditions for full details:

  • For full information on Rewards, Status levels and Points, visit

  • ^We may agree to issue a Card to a person nominated by you as an Additional Cardholder. The Additional Cardholder must be 18 or over, living at the same address. You must ensure that any Additional Cardholder keeps to the provisions of the Credit Card Agreement. You are solely responsible for all use made by you and by the Additional Cardholder of the Card including the PIN and the Credit Card Agreement, and for all indebtedness incurred by you and the Additional Cardholder, under the Credit Card Agreement. Call our customer service team on 0371 512 1968  to set up your complementary card.

  • #0% on Balance Transfers for twelve months when made within 90 days of account opening date. A transfer fee of 3% or £3 (whichever is greater) applies for each Balance Transferred. You can Balance Transfer up to 90% of your available credit limit (Balance Transfers from existing storecard and Mastercard accounts and loans issued and administered by Creation Financial Services Limited and Creation Consumer Finance Limited and Mastercard accounts originally issued by Sygma Bank UK are not permitted). Minimum value for Balance Transfer is £50. Any remaining amount from that Balance Transfer at the end of the twelve month period will then incur interest at the standard rate for Balance Transfer (variable) for your account. To keep your 0% balance transfer rate, you need to stay within your credit limit and pay at least the minimum amount on time, or your 0% balance transfer rate will revert to your standard balance transfer rate. Simply call 0371 512 1968 within 90 days of opening your account to take advantage of this special offer.

  • Calls may be recorded. Calls charged at a basic rate. The number provided may be included as part of any inclusive call minutes by your phone operator.

  • Intercontinental Hotels Group Services Company acts a credit broker, not a lender, and is authorised and regulated by the Financial Conduct Authority. IHG® only offers credit cards offered by Creation Financial Services Ltd. The IHG® Rewards  Club Credit Card is  issued by Creation Financial Services Limited (Company number: England 1091883) - Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands, B91 2AA. Authorised and regulated by the Financial Conduct Authority.