Match to 105K-point IHG Offer

As reported by Doctor of Credit, there is a (targeted) 100,000-point signup bonus offer on the Chase IHG Rewards credit card (plus 5,000 more points for adding an authorized user), and if you have recently applied you may be able to get matched to the higher offer.

Yesterday, we reported the increased 85,000-point offer (total points with bonus and AU). I tried making dummy bookings under different accounts and with different browsers, but hadn’t found a better offer. Doctor of Credit did find a better offer for which some users are targeted. That offer is the one shown above, where you can earn 100,000 points (plus 5K for adding an AU & making a purchase) after spending $2,000 in the first three months. You can click here to see the offer, though the application will error out and then take you to a 60K offer when you click “Apply Now” if you are not targeted (and that’s exactly what happens on my end).

Get matched via secure message

Several Doctor of Credit readers report having gotten matched to this offer by sending a secure message to Chase and asking to be matched. Keep in mind that the 80K offer only had a $1,000 spending requirement and this offer requires you to spend $2,000. Still, 20K for the extra $1,000 spend is well worth it in my book. If you have applied within the past 90 days, you may be able to be matched to this offer by just sending a secure message and asking. The process will work like this:

  1. You send Chase a secure message saying that you recently applied and you see that there is now a higher offer. Ask if they would match you to this higher offer.
  2. Chase will write back informing you that you will need to spend $2K and secure message them again and they will manually add the 20K. They will ask you to confirm that this is what you want.
  3. You will write back and confirm it (don’t forget to say thank you!)
  4. After spending $2K, you’ll have to send them another secure message to get your points.

That should be it.

Is this guaranteed to work?

Chase isn’t under any obligation to match you to a higher targeted offer, but they have historically been generous about matching offers within 90 days of sign up.  I would expect that this will probably work, at least in the short-run if you get a message in to Chase soon enough. It sounds like Chase has been matching people thus far, so I would send a secure message sooner rather than later if you recently applied. It’s well worth a few moments of your time to ask and they may stop granting matches at some point.

Bottom line

The 100K offer is the best I’ve ever seen, and after the bonus for adding an authorized user and making a purchase, you’ll be at 105,000 IHG points. While that won’t quite get you two nights in a top-tier IHG property, it will get you a few nights in many places and could get you up to 21 nights if you chase after IHG Point Breaks for 5K per night. See our previous post for more information on why this card is a keeper year after year. This is as good a bonus as you’re likely to get on this card, so it’s worth seeing if you are targeted (if you haven’t applied) or trying to match to this offer (if you have applied within the past 90 days). Let us know in the comments whether or not you have success with the match.

H/T: Doctor of Credit

 

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

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Comments

    • To my knowledge, Chase won’t let you open a card that you already have. You would need to cancel your previous card first. Reports differ as to how long you must wait after cancelling before re-applying. Some people say 1-2 weeks, though at least one reader reported being able to cancel the Fairmont card and open a new one in the same day. I’d probably wait at least a few days just to be cautious.

    • THanks for the answers. What would happen to my accumulated points if I were to cancel my first card? I don’t want to lose them.

    • The IHG card has historically been exempt from 5/24 (that is to say that you can still be approved even if you are over 5/24).

      Yes, you would need to wait 2 years since your last sign up bonus. (The bonus is only available to those who have not received a new cardholder bonus in the past 24 months).

  1. That’s a great offer. I hope some of the readers can take advantage of it. What would you use the 105k points for? Do you focus on the 5k deals to maximize hotel stays? Or do you prefer to use for the luxury properties?

    • No, these points are not elite-qualifying points. There was a very brief time when Spire Elite was first announced when the points *did* qualify, but they nixed that pretty quickly. This offer will only give you Platinum status.

  2. I wonder if they’re experimenting with bonuses? For the last few days I got an offer for 80K points plus 10 points per dollar spent on IHG for the first 12 months. Today I looked after reading your article and I have the 100K offer with 5 points per IHG spend.

    • Not per the terms, but I’ve made IHG reservations with points and simply added someone else’s name to the reservation so they could check in. Never had an issue with that.

  3. A question about adding an AU: If the potential AU is a person who also applies for CCs, will this add to their 5/24 woes?

    • Potentially, yes. Chase only asks for a name for the AU, so I think whether or not it ends up on someone’s credit report depends on how easily it is matched up with a credit profile (for example, if the AU lives at your address and has a Chase card, they will probably connect the dots and report it to the credit bureau).

  4. I just got approved for the 100k offer. Here are the steps I tooked to find it:
    1. Logged in to my IHG account
    2. Click under My Account
    3. Click My Offer Status, and the offer for 100k points poped out
    I have the Spire Elite status, so don’t know if the offer will be available to other status. Good Luck!

  5. I sent a secured message per your direction and was approved for the extra 20K points! Thanks for the info.

  6. I’ve had both Hyatt and IHG for 2 years and a couple months. Trying to decide if I should cancel and re-apply for both after a few weeks. I’m currently sitting on 6 Chase personal cards + Ink. I probably have 5 new accts in the past 12 months. I would hate to not get approved as I do value and make use of the annal free night with both.

  7. data point i’ve applied in the last 40 days chase refuesed to match they said because my points had posted the offer would not change

  8. My wife & I were both approved for the 80,000 offer despite having opened many more than 5 in 24, so the 5/24 definitely does not apply. I also sent secure messages asking for the 100,000 offer, and they agreed to add the additional 20,000 points after I hit the spend limits. Thanks for the tip.

  9. No go for the additional 20K points after sending secure message. Will only receive 80K points. Disappointed, but that’s the breaks.

  10. I called Chase/IHG and they said they will try to honor the 100K points for me (I originally signed up at 60K), but they said they would only do this because I had talked with them a few weeks ago about it. The man said that they no longer honor this upgrade anymore (but I have my doubts about that). So I just have to wait for them to send me confirmation via snail mail.

  11. Girlfriend signed up under the 60k bonus expecting to get a match to the 100k. Sent SM after $1000 in spend and got a denial response. “We know this isn’t the answer you were hoping for.”

    Well- that’s disappointing.

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