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Chase Offers 100% Transfer Bonus to IHG One Rewards — Ends July 30
July 1, 2025
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Chase is running a limited-time transfer bonus, but it drops in value if you wait too long. Through July 30, you can transfer Chase Ultimate Rewards® points to IHG One Rewards at a 100% bonus rate, meaning 1,000 Chase points become 2,000 IHG One Rewards points. From July 31 through August 31, that bonus drops to 70%, so the same 1,000 Chase points would only get you 1,700 IHG One Rewards points.
Here's what to know before you transfer, and which cards actually earn the Chase Ultimate Rewards® points you'd need to take advantage of it.
What This Transfer Bonus Actually Means
IHG One Rewards normally transfers from Chase Ultimate Rewards® at a 1:1 ratio, meaning 1,000 Chase points get you 1,000 IHG points. During this promotional window:
- Now through July 30: 100% bonus (1,000 Chase points → 2,000 IHG points)
- July 31 through August 31: 70% bonus (1,000 Chase points → 1,700 IHG points)
You'll need to transfer a minimum of 1,000 Chase Ultimate Rewards® points to participate.
Is This Bonus Actually a Good Deal?
IHG isn't typically considered one of the strongest uses of Chase Ultimate Rewards® points, since Chase has several other travel partners that can offer more value per point. That said, this transfer can still make sense in certain situations, particularly if you already have a specific IHG redemption in mind.
If you don't have a specific IHG stay planned, you may get more value transferring your points to one of Chase's other travel partners instead, even without a bonus attached.
When the Fourth-Night-Free Benefit Makes This Worth It
If you hold an eligible IHG-branded credit card, you may be able to combine this transfer bonus with a fourth-night-free benefit, which applies when you redeem points for three consecutive nights at an IHG hotel. Stacking that benefit with this transfer bonus can meaningfully reduce the total points needed for your stay and boost your overall redemption value.
How to Calculate Your Redemption Value
Before transferring, it's worth running the math to see if the transfer actually makes sense for your redemption. To calculate your value per point:
- Take the cash price of the room (minus taxes and fees).
- Divide that number by the number of points required for the redemption.
- Multiply the result by 100 to get your value in cents per point.
As a general guideline, if your IHG redemption isn't worth at least 0.7 cents per point, you may get more value transferring to a different partner instead.
Cards That Earn Chase Ultimate Rewards® Points
To take advantage of this bonus, and future transfer bonuses as they come up, you'll need a card that earns Chase Ultimate Rewards® points. Cards that can help you earn flexible, transferable points include:
These cards let you transfer points to 10 airline partners and four hotel partners, including Southwest Airlines, United Airlines and Hyatt, in addition to IHG.
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Stack Your Rewards With a Cash Back Card
You can maximize your Chase Ultimate Rewards® earning by pairing one of the cards above with a card like the Chase Freedom Flex® or Chase Freedom Unlimited®. Holding a Chase Ultimate Rewards®-earning card alongside a Chase cash back card lets you convert cash back earned on everyday spending into transferable points, helping you rack up travel rewards faster across more spending categories.
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How Kudos Helps You Track Transfer Opportunities
Transfer bonuses like this one come and go quickly, and missing the window can mean losing out on meaningful extra value. Keeping an eye on active promotions, and knowing which of your cards actually earns transferable points, makes it easier to take advantage of these limited-time offers when they're worth it.
Other Transfer Partners Worth Considering
IHG is just one of several transfer options available to Chase Ultimate Rewards® holders. Depending on your travel plans, you may find more value transferring to one of Chase's airline partners, particularly if you don't already have a specific IHG redemption in mind. It's worth comparing a few options before committing your points to any single transfer.
Common Mistakes to Avoid
- Transferring without a plan. Since point transfers are typically irreversible, only transfer once you have a specific redemption in mind.
- Ignoring the cents-per-point math. A bonus percentage alone doesn't guarantee good value if the underlying redemption isn't worth much.
- Missing the deadline. The 100% bonus rate is only available through July 30, after which it drops to 70% through August 31.
Frequently Asked Questions
When does the 100% transfer bonus to IHG end?
The 100% bonus rate is available through July 30. From July 31 through August 31, the bonus rate drops to 70%.
What's the minimum transfer amount?
You'll need to transfer at least 1,000 Chase Ultimate Rewards® points to qualify for the bonus.
Is IHG the best use of my Chase Ultimate Rewards® points?
Not necessarily. Chase has other travel partners that may offer more value per point. This transfer tends to make the most sense if you already have a specific IHG redemption in mind.
The Bottom Line
Chase's latest transfer bonus offers 100% extra value when moving Chase Ultimate Rewards® points to IHG One Rewards through July 30, dropping to 70% through August 31. Before you transfer, calculate how many cents per point your intended redemption is worth to make sure it's a good use of your points.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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