IHG One Rewards Transfer Partners

Last updated: February 2026

Only two major transferable points programs send points directly to IHG One Rewards: Chase Ultimate Rewards and Bilt Rewards, both at a 1:1 ratio. If you hold Amex, Capital One, or Citi points, there is no direct transfer path to IHG. That single fact shapes every decision about whether transferring to IHG makes sense for your next hotel booking.

IHG One Rewards is one of the four major hotel loyalty programs, with a portfolio spanning InterContinental, Kimpton, Hotel Indigo, Holiday Inn, and more than 6,000 properties worldwide. But having access to a program and getting good value from it are two different things. With baseline IHG point valuations hovering around 0.5 cents per point (CPP), transferring flexible currency into IHG requires a clear plan and a specific redemption in mind.

This guide covers exactly which IHG One Rewards transfer partners exist, how the transfers work, when they’re worth doing, and when you should keep your points in a more flexible currency instead.

Key Takeaways

• Only Chase Ultimate Rewards and Bilt Rewards transfer directly to IHG One Rewards, both at a 1:1 ratio. Amex, Capital One, Citi, Wells Fargo, and Rove have no direct transfer path (per the ATH transfer table).
• IHG points carry a baseline value of roughly 0.5 CPP, but luxury property redemptions can push value above 1.0 CPP.
• Transfers are instant or near-instant from both Chase and Bilt, but they are irreversible once confirmed.
• Chase points are almost always better used elsewhere (Hyatt, United, Southwest) unless you have a specific high-value IHG redemption locked in.
• Transfer bonuses occasionally appear and can significantly shift the math, but none are active as of February 2026.

Quick Answer: Who Are the IHG One Rewards Transfer Partners?

Two credit card programs transfer points directly to IHG One Rewards:

That’s it. If you don’t hold Chase or Bilt points, your path to IHG points runs through earning directly via IHG co-branded credit cards, hotel stays, or promotions. For a complete view of which bank programs transfer to which banks, see the full credit card transfer partners table.

What Is IHG One Rewards and Why Does It Matter?

IHG One Rewards is the loyalty program for InterContinental Hotels Group, one of the world’s largest hotel companies. The program covers brands ranging from budget (Holiday Inn Express) to ultra-luxury (Six Senses, Regent, InterContinental).

Key program characteristics:

• Dynamic pricing on award nights means point costs fluctuate based on demand, season, and cash rate. There is no fixed award chart.
• Points + Cash options are available at most properties, letting you split the cost.
• Fourth Night Free on award stays is available to members, and elite members can unlock a fourth or a fifth night free, depending on their status tier.
• Elite status tiers include Silver, Gold, Platinum, and Diamond, each offering perks such as room upgrades, late checkout, and bonus point earning.

Because IHG uses dynamic pricing, the value you get per point varies widely. A Holiday Inn Express redemption might yield 0.4 CPP while a peak-season InterContinental or Six Senses booking could push past 1.0 CPP. This variability is exactly why transferring points to IHG requires checking the specific redemption value before you commit.

How Do Chase Ultimate Rewards Transfer to IHG One Rewards?

Chase Ultimate Rewards points transfer to IHG One Rewards at a 1:1 ratio, and transfers are typically instant. You need a Chase card that earns Ultimate Rewards and provides transfer access (Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, or Ink Business Plus paired with a premium card).

Step-by-step: Transferring Chase Points to IHG

1. Log in to your Chase Ultimate Rewards portal.
2. Select “Transfer to Travel Partners.”
3. Find IHG One Rewards in the hotel partners list.
4. Enter the number of points you want to transfer.
5. Confirm your IHG One Rewards member number is linked correctly.
6. Submit the transfer and verify the points appear in your IHG account (usually within minutes).

The opportunity cost problem

Here’s the critical consideration: Chase Ultimate Rewards has some of the strongest transfer partners in the game, including World of Hyatt (1:1), United MileagePlus (1:1), and Southwest Rapid Rewards (1:1). Hyatt points regularly deliver 1.5 to 2.5 CPP on standard redemptions, while IHG points typically land around 0.5 CPP.

Decision rule: Transfer Chase points to IHG only when the specific IHG redemption delivers at least 0.8 CPP and no Hyatt, United, or other Chase partner can cover the same trip at a better value. This usually means a luxury IHG property (InterContinental, Kimpton, Six Senses, Regent) where cash rates are high relative to point costs.

For a deeper look at all Chase transfer options, see the Chase Transfer Partners Guide.

Common mistake: Transferring Chase points to IHG without first checking whether a Hyatt property in the same city offers better CPP. Always compare before you transfer.

How Do Bilt Rewards Transfer to IHG One Rewards?

Bilt Rewards also transfers to IHG One Rewards at 1:1, with transfer times ranging from instant to approximately 24 hours. Bilt is notable because it’s one of the few programs that lets you earn transferable points on rent payments, making it a valuable source of hotel currency for renters.

Step-by-step: Transferring Bilt Points to IHG

1. Open the Bilt Rewards app or log in at biltrewards.com.
2. Navigate to the “Transfer” section.
3. Select IHG One Rewards from the list of hotel partners.
4. Enter your IHG One Rewards member number (if not already linked).
5. Choose the number of points to transfer.
6. Confirm and wait for the points to post (usually the same day).

When Bilt-to-IHG makes more sense than Chase-to-IHG

Bilt’s transfer partner list includes Hyatt (1:1), several airlines, and IHG. The same opportunity cost logic applies: Hyatt transfers from Bilt almost always deliver better value than IHG transfers. However, Bilt can be a good source for IHG points when:

• You’ve already used your Chase points elsewhere and need to top off an IHG balance.
• A specific IHG property has no Hyatt equivalent in the destination.
• You’re combining Bilt points with IHG points earned from co-branded cards or stays.

For the full list of Bilt transfer options, check the Bilt Transfer Partners Guide.

What About Amex, Capital One, Citi, and Other Programs?

No direct transfer path exists from Amex Membership Rewards, Capital One Miles, Citi ThankYou Points, Wells Fargo Rewards, or Rove Miles to IHG One Rewards (per the ATH transfer table).

If you primarily earn Amex or Capital One points, your hotel transfer options for comparable programs include:

• Amex → Hilton (1:2 ratio), Marriott (1:1 ratio), or Choice (1:1 ratio). See the Amex Transfer Partners Guide.
• Capital One → no IHG. Capital One transfers to Wyndham but not IHG. Review the Capital One Transfer Partners Guide.
• Citi → no IHG. Citi ThankYou points don’t transfer to any hotel program directly as of 2026. See the Citi Transfer Partners Guide.

Bottom line: If IHG stays are a regular part of your travel, earning points through IHG co-branded credit cards or direct hotel stays is the most reliable path, aside from Chase and Bilt transfers.

How Much Are IHG One Rewards Points Worth?

IHG points carry a baseline value of approximately 0.5 cents per point. This figure is based on averaging redemption values across the program’s wide range of properties and is consistent with valuations from major points-and-miles analysts.

However, the actual value you get depends entirely on the specific booking:

Value math example

Suppose you find an InterContinental resort booking that costs 70,000 IHG points or $525 per night in cash.

Using the Award Travel Hub Points Calculator:

$525 ÷ 70,000 points = 0.75 CPP

That’s above the 0.5 CPP baseline, making it a reasonable redemption. If you’re transferring Chase points at 1:1, you’re getting 0.75 cents of value per Chase point. Compare that to a Hyatt transfer where you might get 1.5–2.0 CPP, and the tradeoff becomes clear: the IHG redemption is decent but not exceptional.

Rule of thumb: Target at least 0.7 CPP on IHG redemptions when transferring from Chase or Bilt. Below that threshold, you’re likely better off keeping your transferable points flexible or using them with a higher-value partner.

When Does Transferring Points to IHG Actually Make Sense?

Transferring flexible points to IHG is worth it in a narrow set of scenarios. Here’s a decision framework:

Transfer to IHG when:

• ✅ You have a specific luxury IHG property in mind (InterContinental, Six Senses, Regent, Kimpton) with a high cash rate relative to the points cost.
• ✅ The redemption delivers 0.7+ CPP after running the math.
• ✅ No Hyatt or other higher-value partner covers the same destination at a better value.
• ✅ A transfer bonus is active, improving the effective ratio beyond 1:1.
• ✅ You need to top off an existing IHG balance for a specific booking and only need a small transfer.

Don’t transfer to IHG when:

• ❌ You’re transferring speculatively without a booking in mind.
• ❌ A Hyatt property in the same city offers comparable quality at better CPP.
• ❌ The IHG redemption yields under 0.5 CPP (you’d get more value from Chase’s Pay Yourself Back or portal bookings).
• ❌ You’re transferring a large balance of Chase points that could be used for premium cabin airline awards through United, Hyatt, or other partners.

Real-world example

A traveler planning a trip to the Maldives finds the InterContinental Maldives Maamunagau Resort available for 95,000 IHG points per night, while cash rates are $850/night. That’s 0.89 CPP, well above baseline. If they need 285,000 points for three nights (with the fourth night free benefit), transferring from Chase or Bilt is defensible here because the value is strong and there’s no Hyatt alternative on that specific island.

Compare that to booking a Holiday Inn Express in a U.S. suburb for 25,000 points when the cash rate is $95. That’s 0.38 CPP, a poor use of transferable points.

What About Transfer Bonuses to IHG?

Transfer bonuses periodically appear between Chase or Bilt and IHG One Rewards, temporarily improving the transfer ratio. For example, Chase offered a 70% transfer bonus to IHG that ended on January 15, 2026. During that promotion, every 1,000 Chase points transferred became 1,700 IHG points, dramatically improving the value equation.

As of mid-2026, no active transfer bonuses to IHG exist.

How bonuses change the math

Using the same InterContinental example above (70,000 IHG points, $525 cash rate):

• Without bonus (1:1): 70,000 Chase points → 0.75 CPP
• With a hypothetical 50% bonus (1:1.5): ~46,667 Chase points → 1.13 CPP (in terms of Chase points spent)

A 50–70% bonus can push IHG transfers into genuinely competitive territory, especially for luxury properties. But bonuses are unpredictable, temporary, and shouldn’t be the basis of a long-term strategy.

Best practice: When a bonus appears, evaluate it against a specific booking you’ve already identified. Don’t transfer speculatively just because the bonus looks attractive.

Common Mistakes When Transferring Points to IHG

1. Transferring without checking the CPP first

IHG’s dynamic pricing means point costs vary wildly. Always divide the cash rate by the points cost before transferring. If the CPP is below 0.5, walk away.

2. Ignoring the opportunity cost of Chase points

Chase points are among the most valuable transferable currencies because of partners like Hyatt, United, and Southwest. Every point sent to IHG can’t go to those programs. Think of it as spending a dollar to get fifty cents of hotel value.

3. Transferring large balances speculatively

Transfers to IHG are irreversible. Once points leave your Chase or Bilt account, they cannot be returned. Never transfer more than you need for a confirmed or near-confirmed booking.

4. Forgetting about IHG’s co-branded cards

If you stay at IHG properties frequently, earning IHG points directly through co-branded credit cards (IHG One Rewards Premier, IHG One Rewards Traveler) is usually more efficient than burning flexible points. Co-branded cards also provide elite status, free night certificates, and fourth-night-free benefits.

5. Missing the fourth or fifth night free benefit

IHG One Rewards members get the fourth night free on award stays (fifth night free for some elite tiers). Failing to book in four-night increments means leaving value on the table.

IHG One Rewards Points: Hotel Stays vs. Airline Transfers

IHG One Rewards also allows members to convert IHG points into airline miles through the program’s own transfer partnerships. The standard ratio is 5 IHG points = 1 airline mile for most partners, which is a steep conversion.

This is almost never a good deal. At a 5:1 ratio, you’d need to get at least 2.5 CPP from the airline miles to break even against the 0.5 CPP baseline of IHG hotel redemptions. That level of value is realistically only achievable with premium cabin awards (business class or first class), and even then, it’s a stretch.

Recommendation: Use IHG points for hotel stays. If you need airline miles, earn them through programs with better transfer ratios or direct airline credit cards. For strategies on booking premium cabin awards, explore our Airline Partners Hub.

How Does IHG Compare to Other Hotel Transfer Partners?

For context, here’s how IHG stacks up against the other major hotel programs accessible via transferable points:

World of Hyatt consistently delivers the best CPP among hotel programs, which is why most experts recommend it as the first choice for hotel transfers from Chase or Bilt. IHG and Hilton offer similar baseline valuations, but IHG has the advantage of a larger global footprint.

Choose IHG over Hyatt when: There’s no Hyatt property at your destination, or the specific IHG property offers a uniquely compelling experience (Six Senses, a well-located InterContinental) that justifies the lower CPP.

For a broader view of how all bank programs and their transfer partners compare, visit the Bank Transfer Partners overview.

Frequently Asked Questions

Can I transfer Amex points to IHG One Rewards?

No. Amex Membership Rewards does not have a direct transfer partnership with IHG One Rewards. Amex hotel transfer partners include Marriott Bonvoy, Hilton Honors, and Choice Privileges.

What is the Chase to IHG transfer ratio?

Chase Ultimate Rewards transfers to IHG One Rewards at a 1:1 ratio. Every 1,000 Chase points becomes 1,000 IHG points. Transfer bonuses occasionally temporarily improve this ratio.

How long does a Chase to IHG transfer take?

Transfers from Chase to IHG are typically instant. In rare cases, they may take up to 24 hours.

Can I transfer Capital One miles to IHG?

No. Capital One does not have a direct transfer partnership with IHG One Rewards (per the ATH transfer table).

Are IHG point transfers reversible?

No. Once you transfer points from Chase or Bilt to IHG One Rewards, the transfer is permanent. Always confirm your redemption plan before initiating a transfer.

How much are IHG points worth?

The baseline valuation is approximately 0.5 cents per point. Luxury property redemptions at InterContinental, Six Senses, or Regent hotels can yield 0.8–1.1+ CPP, while budget brands like Holiday Inn Express may return only 0.3–0.4 CPP.

Does Bilt transfer to IHG?

Yes. Bilt Rewards transfers to IHG One Rewards at a 1:1 ratio, with transfer times typically ranging from instant to 24 hours.

Should I transfer Chase points to IHG or Hyatt?

In most cases, Hyatt delivers significantly better value (roughly 1.5–2.0 CPP vs. IHG’s 0.5 CPP baseline). Transfer to IHG only when no Hyatt property serves your destination or when a specific IHG luxury redemption offers strong CPP.

Are there any IHG transfer bonuses right now?

As of mid-2026, no active transfer bonuses to IHG One Rewards have been verified. Bonuses from Chase and Bilt appear periodically, so it’s worth monitoring before large transfers.

Can I combine IHG points from different sources?

Yes. Points earned from IHG co-branded cards, hotel stays, promotions, and transfers from Chase or Bilt all pool into a single IHG One Rewards account.

Is the IHG Fourth Night Free benefit available on transferred points?

Yes. The fourth night free on award stays applies regardless of how you earned the points. This benefit effectively gives you a 25% discount on four-night award stays.

What IHG properties offer the best redemption value?

Luxury brands like Six Senses, Regent, InterContinental, and Kimpton tend to offer the highest CPP because their cash rates are higher than their points pricing. Budget brands like Holiday Inn Express rarely deliver strong CPP on award bookings.

Conclusion: Make IHG Transfers Count

IHG One Rewards transfer partners are limited to Chase Ultimate Rewards and Bilt Rewards, both at 1:1. That simplicity makes the decision framework straightforward: if you hold Chase or Bilt points and have a high-value IHG redemption in mind (targeting 0.7+ CPP at a luxury property), transferring can work. In most other scenarios, your transferable points deliver better returns through programs like World of Hyatt or airline partners.

Next steps:

1. Check your target IHG property’s points cost and compare it to the cash rate. Use the Award Travel Hub calculator to confirm CPP.
2. Compare against Hyatt at the same destination before committing Chase or Bilt points to IHG.
3. Monitor for transfer bonuses from Chase and Bilt, which can meaningfully improve the value proposition.
4. Never transfer speculatively. Have a specific booking identified before moving points into IHG.
5. Consider IHG co-branded cards if you stay at IHG properties regularly, as they earn IHG points directly without consuming flexible currency.

For a complete picture of where your transferable points can go, explore the full transfer partners guide.

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