# Chase confirms IHG elite night credits stack across cards

_Oct 13 13:45_

Tags: IHG One Rewards, Chase, credit card, hotel

Type: Analysis

## Summary

Chase has deleted IHG application terms that said primary cardmembers could receive only one allotment of elite night credits no matter how many cards were linked. Frequent Miler reports that Chase confirmed stacking was intended. The incorrect wording remained in place for more than a week and likely delayed some applications.

The Premier Select card awards 20 elite night credits a year. The Premier and Business cards award 15 each. The no-fee card awards 5. Those credits stack toward IHG elite status and Milestone Rewards. Pairing a Business card with a Premier or Premier Select produces 35 credits, which reaches the 30-night Milestone. Three Premier Select cards plus a Business card could produce 75 credits before any nights, at combined annual fees of $1,250.

New Premier Select applications remain subject to Chase 5/24. Cardholders over that limit can upgrade existing Select and Premier cards to Premier Select. Holders of the old Select card lose the 10% award-night rebate if they upgrade. Frequent Miler calls a 75-credit stack overkill except for dedicated IHG loyalists.

Treat the credits as stackable when weighing an upgrade or a new IHG card, and check 5/24 before applying for Premier Select.

## Key facts

- **Numbers**:
  - 20 elite night credits: annual elite night credits on the Premier Select card
  - 15 elite night credits: annual elite night credits on the Premier and Business cards
  - 5 elite night credits: annual elite night credits on the no-annual-fee IHG card
  - 30 nights: second IHG Milestone Rewards level
  - 35 elite night credits: credits from a Business card plus a Premier or Premier Select
  - 75 elite night credits: potential annual credits from three Premier Select cards and one Business card before stays
  - $1,250: combined annual fees for three Premier Select cards and one Business card
  - 10%: award-night points rebate on the old IHG Select card
  - 55 elite night credits: credits from two Premier Select cards plus a Business card
- **Who qualifies**: Primary cardmembers of IHG One Rewards Chase cards; a new Premier Select application requires being under Chase 5/24.
- **Takeaway**: Treat elite night credits as stackable when deciding on IHG card upgrades or new applications, and check Chase 5/24 if you need a new Premier Select.

## Sources cited

- [Frequent Miler](https://frequentmiler.com/elite-night-credits-from-multiple-ihg-credit-cards-do-stack) — Elite night credits from multiple IHG credit cards do stack

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