UPDATE: 
  • IHG 4th reward night free is a true 4th night free. This is great to beat IHG's new dynamic award pricing model. See below for more information. 

Chase IHG Traveler Credit Card and Chase IHG Premier Credit Card offer 4th IHG Reward Night FreeChase IHG Premier Credit Card has an $89 annual fee and Chase IHG Traveler Credit Card does not have an annual fee. This makes the Traveler card a better option if you are only after the 4th IHG Reward Night Free benefit. 

For a full comparison on these IHG credit cards, see this post

IHG Fourth Reward Night Free
Holiday Inn Resort Aruba-Beach Resort & Casino

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    How does the 4th reward night free benefit work?

    When you redeem points for any stay of 4 or more nights, your 4th night is free. Once this benefit applies to your IHG Hotels and Resorts account, whenever you make an award booking for at least 4 nights, you will see that you are only paying for 3 nights with points. The number of points will be shown on the final page before you confirm the reservation.

    For example, an IHG property requires 30,000 points per night and you book 4 nights there. Instead of redeeming 120,000 points for the whole 4 nights, you only redeem 90,000 points. That's a saving of 30,000 points!

    IHG 4th Reward Night Free

    How long does it take to see the 4th reward night free benefit after approval of the IHG Credit Card?

    After you are approved for the Chase IHG Premier Credit Card or Chase IHG Traveler Credit Card, you need to allow some time for the 4th reward night free benefit to apply to your IHG Hotels and Resorts account first. In my case, it took around 8 days. So I am inclined to say that, it takes around a week or so. You don't have to receive and activate your card before this benefit kicks in. See my timeline below:
    • Applied online and approved for Chase IHG Premier Credit Card on October 20th. 
    • Was able to book the 4th reward night free on October 28th. 

    Do you have to have enough points for 4 nights to use the 4th reward night free benefit? 

    No. As long as you have enough points for 3 nights, you are good to go.

    Can you use the 4th reward night free benefit on points and cash booking?

    Unfortunately - No!

    Does the 4th reward night free benefit work on IHG PointBreaks properties?

    [UPDATE] Unfortunately, IHG has discontinued PointsBreaks promotion. 
    Yes. See this post.

    Can you stack the 4th reward night free with the old discontinued IHG Select Card 10% points rebate? 

    Yes. Although the Chase IHG Rewards Club Select Credit Card is no longer available for new applicants, Chase treats the new Chase IHG Premier Credit Card and Chase IHG Traveler Credit Card as new products and allows previous IHG Select Cardholders to keep the old Select Card that offers a 10% points rebate on award bookings. Therefore, you can have both old and new Chase IHG Credit Cards and can stack the 4th reward night free benefit along with the 10% points rebate. 

    How does the 4th reward night free benefit work with IHG's dynamic award pricing? 

    IHG Rewards program uses a dynamic award pricing model. So each IHG Hotels and Resorts property now requires variable points per night based on travel dates. There are a couple things when it comes to the 4th IHG Reward Night Free benefit and dynamic award pricing:
    • 4th reward night not always free: In some cases, the number of points for the 4th IHG Reward Night Free benefit may be more than you were to book 1, 2, or 3 days at a time due to dynamic award pricing. So be sure to do the comparison. 
    • 4th reward night is truly free: The 4th IHG Reward Night Free benefit is a true 4th night free. IHG does not average total points based on 4 nights but rather waives the cost of every 4th night. This can be super beneficial if your 4th night requires much more points. 

    IHG 4th Night Free Benefit
    IHG 4th reward night is a true 4th night free