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When to apply for IHG Chase cards based on offer history


Knowing when to apply for a card can be difficult, especially considering that earning a sizable welcome bonus may be the primary factor.

Offers change frequently, and whether you’re after a large sum of points or free night certificates, knowing the history of offers for credit cards can be useful to understand the difference between amazing and not-so-good bonuses.

If you find yourself frequenting IHG properties often, such as those part of the InterContinental and Kimpton brands, then a cobranded IHG credit card can provide useful perks during your stay. These include elite status, an anniversary free night and bonus points when paying for your accommodations.

Here’s a list of the credit card welcome bonuses for Chase’s cobranded IHG cards, including their offer histories and when you should apply for a card based on its best-ever welcome bonus.

Related: Current offers on the IHG One Rewards cards

Best IHG credit card welcome bonuses

Card Best welcome offer we’ve seen When to apply

Earn five free nights (each valued at up to 60,000 points) after spending $4,000 on purchases in the first three months from account opening.

When the offer is more than 140,000 points, whether that’s extra points or a free night award added on

Earn two free nights (up to 50,000 points each) plus 40,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

When the offer is above 80,000 points

Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending a total of $9,000 in the first six months.

When the offer is more than 140,000 points

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card offers perks like a free night award on your account anniversary (up to 40,000 points), up to $50 in United TravelBank cash each year, a TSA PreCheck/Global Entry statement credit and automatic Platinum Elite status. Best of all, the card comes with a low $99 annual fee.

IHG Premier personal card art
THE POINTS GUY

Here are the offers we’ve seen on the IHG One Premier card over the past few years:

Approximate date Offer Value*

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

Earn 175,000 bonus points after spending $5,000 on purchases in the first three months from account opening.

$1,050
October 2025 to January 2026

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840
September to October 2025

Earn 165,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

$990

Earn 140,000 bonus points after spending $3,000 in the first three months from account opening.

$840

Earn five free nights (each valued at up to 60,000 points) after spending $5,000 on purchases in the first three months from account opening.

Up to $1,800

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

Earn 170,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

$1,020
September 2024 to January 2025

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

Earn five free nights (each valued at up to 60,000 points) after spending $4,000 on purchases in the first three months from account opening.

Up to $1,800

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

Earn 165,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$990
September 2023 to February 2024

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. Plus, earn up to $100 in statement credits on purchases at IHG properties during the first 12 months from account opening.

Up to $940 (including statement credit)

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

Earn 175,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$1,050

*Bonus offer value is based on TPG’s April 2026 valuations and not provided by the credit card issuer.

Highest welcome offer

With this card’s highest-ever welcome offer, new cardholders could earn five free nights (each valued at up to 60,000 points) after spending $5,000 on purchases in the first three months of account opening.

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When to apply

When the offer is for more than 140,000 points — whether that’s extra points or a free night award added on — it’s a good time to apply.

Learn more: IHG One Rewards Premier Credit Card

IHG One Rewards Traveler Credit Card

The IHG One Rewards Traveler Credit Card has no annual fee but offers perks like IHG Silver elite status and a fourth night free on award stays. Cardholders can also earn higher elite status through credit card spending in a calendar year.

IHG Traveler One Rewards
THE POINTS GUY

Here are the offers on the IHG One Rewards Traveler card from the past few years:

Approximate date Offer Value*

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$480

Earn up to 120,000 bonus points: 90,000 bonus points after spending $2,000 on purchases in the first three months from account opening, plus up to an additional 30,000 bonus points (by earning 3 additional points per dollar on purchases that earn 2 and 3 points per dollar on up to $10,000 spent in the first six months).

Up to $720
October 2025 to January 2026

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months of account opening.

$480
September to October 2025

Earn two free nights (up to 50,000 points each) plus 40,000 bonus points after spending $2,000 on purchases in the first three months of account opening.

Up to $840

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months of account opening.

$480

Earn 120,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$720

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$480

Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$600
November 2024 to January 2025

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$480

Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$600
September to October 2024

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$480

Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$600

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$480

Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$600
September 2023 to February 2024

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$480

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. Plus, earn up to $50 in statement credits on purchases at IHG properties during the first 12 months from account opening.

$530 (including statement credit)

Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$480

Earn 120,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

$720

*Bonus offer value is based on our valuations and not provided by the credit card issuer.

Highest welcome offer

With this card’s highest-ever welcome offer, new cardholders could earn two free nights (valued at up to 50,000 points each) plus 40,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

When to apply

Whenever the offer is for more than 80,000 points, it’s time to apply.

Learn more: IHG One Rewards Traveler Credit Card

IHG One Rewards Premier Business Credit Card

The IHG One Rewards Premier Business Credit Card fits businesses loyal to IHG. The card offers Platinum Elite status, a free night award on your card anniversary (up to 40,000 points) and the ability to earn another free night award (up to 40,000 points) after meeting a spending requirement each calendar year.

Chase IHG Premier Business
THE POINTS GUY

Here are the offers on the IHG One Rewards Premier Business card from the past:

Approximate date Offer Value*

Earn up to 200,000 bonus points: 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending a total of $9,000 on purchases in the first six months. Offer ends April 29.

Up to $1,200
October 2025 to March 2026

Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

$840
September to October 2025

Earn up to 200,000 bonus points: 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending a total of $9,000 on purchases in the first six months.

Up to $1,200

Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

$840

Earn up to 200,000 bonus points: 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending a total of $9,000 on purchases in the first six months.

Up to $1,200

Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

$840

Earn up to 175,000 bonus points: 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 35,000 bonus points after spending a total of $7,000 on purchases in the first six months.

$1,050

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

Earn 165,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$990

Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

$840

*Bonus offer value is based on our valuations and not provided by the credit card issuer.

Highest welcome offer

The highest welcome offer is currently being offered and allows new cardholders to earn up to 200,000 bonus points: 140,000 bonus points after spending $4,000 in the first three months from account opening, plus an additional 60,000 bonus points after spending a total of $9,000 on purchases in the first six months.

When to apply

Applying for the card is worthwhile when the offer is for more than 140,000 points.

Learn more: IHG One Rewards Premier Business Credit Card

Bottom line

Keep this guide handy if you ever want to apply for a cobranded Chase IHG credit card. That way, you can see the trends and know when it’s the right time to apply.

Submitting your application at the right time can mean the difference between a short stay and a spectacular stay at one of the more luxurious IHG portfolio properties.

Keep in mind Chase’s infamous 5/24 rule to ensure your chances of approval aren’t affected.

To learn more about credit card bonus offers over time, see the following:



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Normalization in SQL Server | Normalization & TSQL in SQL Server


Normalization in SQL Server – Table of Content

What is Normalization?

Normalization is the organization of data using a set of rules called normal forms while designing a database. It helps improve data accuracy and integrity while reducing data redundancy and inconsistent dependency. It was developed by IBM researcher Edgar Frank Codd in the 1970s to increase data and relational clarity in a database. The process includes organizing data in tabular formats and defining relationships among them. Codd proposed the relational model of databases and introduced the Normal Forms. Most practical applications of database organization can be achieved using the Third Normal Form. But still, some dependencies could exist so in 1974, he was joined by Raymond F. Boyce to develop a stronger version of 3NF, the Boyce-Codd Normal Form.

Types of Normalization

The set of rules used to create a database are called ‘forms’, these help in measuring the level of normalization of an entity. The different types of Normalization Forms are as follows:

1. First Normal Form (1NF):

1NF divides the database into logical units called ‘tables’ consisting of unique values in each related field making it easy to search, filter, and sort the information. While normalizing a database for 1NF a Primary key i.e. a single column is allotted to each data category. It helps in the redevelopment of the raw database into a manageable record. The primary key may consist of a combination of columns and the set is known as Composite Key.

2. Second Normal Form (2NF):

 2NF is the schema of further breaking down the tables based on the partial dependency of data on the primary key. The specific units have a full functional dependency that applies to a single column of Primary key. The entity must completely comply with relationship rules of 1NF to be considered for 2NF and there shouldn’t be any partial dependency. A table with a Composite Primary Key must be split into 2 to generate a foreign key. The foreign key will be the column that references the Primary Key of the other table.

3. Third Normal Form (3NF):

 The objective of entities eligible for 3NF is to eliminate non-dependent data while addressing the update anomaly. The inconsistency of the database following an update is called transitive dependency. Removal of these transitive dependencies leads to normalization from 2NF to 3NF. This is the ideal form of normalization of almost all tables.

4. Boyce Code Normal Form (BCNF):

Redundancies arising from functional dependencies are resolved by 3NF but any anomalies arising from additional constraints are handled through BCNF, also known as 3.5NF. A 3NF table or relation without a transitive dependency is in BCNF.

5. Fourth Normal Form (4NF):

At the 4NF level there are no non-trivial multivalued dependencies other than a candidate key. A relation from a table in the BCNF, without multi-value dependency, only can be in the 4NF.

6. Fifth Normal Form (5NF):

5NF is also known as project-join normal form (PJ/NF). It reduces redundancy in relational databases by isolating semantically related multiple relationships. For a table to be in 5NF its non-trivial join dependency should be implied by candidate keys.

7. Domain/Key Normal Form (DKNF):

DKNF is a stricter normal form than 5NF and it removes any additional type of dependencies and constraints. The main requirements for a 5NF to qualify for DKNF are that each constraint on the table should be a logical consequence and non-existence of all constraints other than domain and keys. Also, there shouldn’t be any insert or delete anomalies in the database. Specifying general integrity constraints is tough so the practical use of DKNF relation is limited.

8. Sixth Normal Form (6NF):

6th normal form is not a standardized form but a table eligible for 5NF only can qualify for 6NF. To be in the 6NF a relation should not contain any non-trivial join dependencies. It is stricter and less redundant that DKNF. The relational variables of entities in this form become irreducible components.

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Importance of Database Normalization

Normalization of operational data stores (ODSs) and data warehouses (DWs) helps in the following ways:

1. Consistency: As all information is stored in a single place, any chances of inconsistency are ruled out.

2. Object-to-data mapping: Normalized data schemas help with object-oriented goals.

3. Flexibility: Data values can be easily added to rows.

4. Accessibility:  Normalized data can be easily accessed, processed, and understood.

5. Uniqueness: Data redundancy is minimized.

Advantages of Normalization

Database Normalization is used to design an organized and managed database to maintain accuracy and enhance productivity. The main advantages of normalizing a database are:

  • Organization of the database through normalization improves data accuracy and reduces redundant data.
  • Data consistency and flexibility improves the logical usage of data.
  • Enhanced database security.
  • All necessary functional dependencies are handled during the normalization process.
  • Makes Index searching easier as the indexes tend to be narrow and short.

What is TSQL?

TSQL is an abbreviation for Transact-SQL or T-SQL. It is a set of proprietary extensions to SQL (Structured Query Language) created by Sybase and owned by Microsoft since 1987. This procedural language expands the Microsoft SQL Server standard with extra features such as declared variables, transaction control, stored procedures, error and exception handling, triggers, string operations, etc. TSQL is used to operate SQL server-based relational databases. It is easier to understand and Turing complete. All interactions with a SQL Server through an application are carried out by T-SQL.

The dominant features of TSQL are:

1. It is a procedural programming language used to create applications.

2. Generates compact and readable codes that are less vulnerable.

3. Support functions for string processing, date and time processing, and mathematics operations.

4. Availability of user-defined custom functions.

5. Offers developers flexible control over the application flow through local variables.

TSQL Functions

Functions can be defined using TSQL beyond the built-in functions of SQL Server.

There are four types of T-SQL functions:

Aggregate functions: 

These deterministic functions operate on a collection of values to calculate one summary value. The values of multiple rows are submitted as input to obtain a more significant value.

Ranking functions:

These are nondeterministic functions that return a ranking value for every row in a partition. The ranks for rows with the same values will be the same.  

Rowset functions:

These nondeterministic functions return an object that can be used as a view or table reference in SQL statements. Their results may vary against the same set of input values.

Scalar functions:

These user-defined functions operate on a single value and return a single value. It helps in simplifying a code but cannot be used to update data.

Analytical functions:

These functions support TSQL to perform complex tasks and enable expression of common analysis such as ranking, percentiles, moving averages, and cumulative sums in a single SQL statement.

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Differences between SQL and T-SQL

The differences between SQL and T-SQL are:

  • SQL is an open-format programming language that works for various data providers and TSQL is its proprietary extension designed specifically for Microsoft SQL Server.
  • SQL is used for implementing reporting techniques while TSQL is useful for the installation of Microsoft SQL servers using applications.
  • SQL is a data-oriented language as it operates over data sets while TSQL is a transactional language.
  • SQL can process basic queries but TSQL can be used to create applications and add services to them.
  • At a given time only a single statement can be processed using SQL while a load of statements can be processed using different control and iteration structures of T-SQL.
  • SQL can be embedded into TSQL but the vice versa isn’t possible.
  • Unlike SQL, TSQL is Turing complete and more robust.
  • Unlike SQL, T-SQL offers easy integration with Microsoft Business Intelligence tools like PowerBI.

Advantages of TSQL

TSQL helps in fast-paced development through better interaction with the SQL Server. The advantages of using TSQL are:   

  • TSQL offers modular programming and its extensions enhance its programmability.
  • Increased reliability and proprietary security of the server.
  • Efficient handling of sensitive data to reduce security threats.
  • Minimizes traffic over the server while easily managing complex tasks.
  • Allows incorporation of programming logic into the database.
  • Provides better control over the database instance.

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 Conclusion

Normalization aids in the easy organization of a database and TSQL assists in writing compact codes. Using these two concepts together makes the database and codes more readable and less vulnerable. The main areas of focus while using these will be designing tables as per the database architecture, reviewing and optimizing Query performance, and scaling the database by implementing it on the cloud. Using these in combination will help developers integrate Microsoft Business Intelligence for business analytics.

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