Chase IHG family rule
You are not eligible for a welcome offer on a personal IHG card if you received a welcome offer on any personal IHG card within the past 24 months. You also cannot be approved for a second personal IHG card while one is open. You may hold both a personal and a business IHG card.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
You are not eligible for a welcome offer on a personal IHG card if you received a welcome offer on any personal IHG card within the past 24 months. You also cannot be approved for a second personal IHG card while one is open. You may hold both a personal and a business IHG card.
Applicants for personal IHG One Rewards cards. Business IHG cards are judged separately.
Who it applies to
Applicants for personal IHG One Rewards cards. Business IHG cards are judged separately.
How to count
- Find your most recent welcome offer on any personal IHG card; add 24 months.
- Check whether you currently hold a personal IHG card; if so, no second personal IHG approval.
- A business IHG card does not affect the personal family clock.
Calculator (estimate)
Enter the date you received the bonus on that card. The calculator adds the waiting period.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Can I hold a personal IHG card and a business IHG card together?
Yes. The family rule covers personal cards; a personal plus a business IHG card is allowed.
Is the IHG rule the same as the Southwest rule?
Very similar: both are personal-family 24-month rules with a one-personal-card cap. The difference is only which cards belong to the family.
Sources
Non-issuer sources are secondary sources (independent guides). If a rule changes, the issuer's page governs. This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply. Page updated: November 3, 2026No bank login required