Key Points:

• Chase Sapphire Reserve cardholders can combine The Edit credit (up to $250 per stay) with IHG brand-specific credits (up to $250) for a total of $500 in statement credits on a single hotel stay.
• The strategy requires booking through Chase Travel's hotel portal with qualifying IHG properties that are part of The Edit collection, which includes InterContinental, Kimpton, and Hotel Indigo brands.
• Beyond the credits, you'll receive valuable perks including $100 property credits, complimentary breakfast for two, room upgrades when available, and 8x Chase Ultimate Rewards points on the unbilled portion of your stay.

Introduction

If you're a Chase Sapphire Reserve cardholder, you're sitting on one of the most valuable credit stacking opportunities in travel right now. The Edit by Chase Travel already offered up to $500 in annual statement credits, but Chase sweetened the deal in 2026 by adding brand-specific credits worth another $250. When you find the right property, you can double-dip both credits on a single stay and walk away with up to $500 off a luxury hotel experience. That's not a typo. The real question is: which hotels qualify, and how do you actually execute this strategy without leaving money on the table? Let's break down everything you need to know about stacking Chase Edit and IHG credits for maximum value.

Understanding the Two Credit Opportunities

Before we dive into specific hotels, you need to understand how these two separate credits work and why IHG properties create the perfect stacking opportunity.

The Edit by Chase Travel Credit

The Edit credit is available exclusively to Chase Sapphire Reserve and Sapphire Reserve for Business cardholders. Here's how it works:

You get up to $500 in annual statement credits when booking hotels through The Edit collection on Chase Travel. The credit is structured as up to $250 per stay, meaning you can use it twice per calendar year. The qualifying stay must be prepaid and at least two nights at a property within The Edit collection.

Beyond the credits, every Edit booking includes valuable on-site perks: a $100 property credit for spa services, dining, or amenities; complimentary breakfast for two guests; potential room upgrades at check-in; and early check-in plus late checkout when available.

The IHG Brand-Specific Credit

This is where the magic happens. In 2026, Chase introduced additional brand-specific credits for certain hotel groups. IHG Hotels & Resorts is one of the qualifying brands, offering cardholders another $250 credit available once in 2026.

Here's the critical detail: when an IHG property is also part of The Edit collection, you can apply both credits to the same stay. That's $250 from The Edit credit plus $250 from the IHG brand credit, totaling $500 off your hotel bill.

Other qualifying brands include Omni Hotels & Resorts, Virgin Hotels, Pendry Hotels & Resorts, Montage Hotels & Resorts, Minor Hotels, and Pan Pacific Hotels and Resorts. But IHG has the largest footprint with the most properties in The Edit, making it the easiest brand to use for this strategy. If you're not familiar with IHG's hotel brands, they include InterContinental, Kimpton, Hotel Indigo, Crowne Plaza, Holiday Inn, and several others.

How the Math Works in Your Favor

Let's say you book a two-night stay at the InterContinental Marseille for $700. Without any credits, you'd pay $700. With both credits stacked, you pay $200. But you're also earning 8x Ultimate Rewards points on that $200 (1,600 points worth about $32 when transferred to travel partners). Plus you get the $100 property credit, complimentary breakfast, and potential room upgrade.

The effective discount is massive. You're essentially staying at a luxury property for 71% off the advertised rate, plus collecting points and perks that would normally cost hundreds of dollars.

Which IHG Brands Participate in The Edit

Not all IHG properties are in The Edit collection. The program focuses on upscale and luxury properties, which means you'll primarily see three IHG brand families:

InterContinental Hotels & Resorts represents IHG's flagship luxury brand. These are typically large-scale properties in major cities and resort destinations. Room rates often start around $300-400 per night, making the $500 credit particularly valuable. InterContinental properties in The Edit include locations like Marseille, Osaka, New York Times Square, and Crete.

Kimpton Hotels & Restaurants is IHG's boutique luxury brand. Kimpton properties tend to be smaller, design-forward hotels with strong local character. They're known for complimentary wine hour, pet-friendly policies, and personalized service. You'll find Kimpton properties in The Edit across major U.S. cities and select international locations like Barcelona and Santo Domingo.

Hotel Indigo is IHG's upper-midscale boutique brand. These properties are more affordable than InterContinental or Kimpton but still offer distinctive design and local neighborhood stories. Hotel Indigo properties in The Edit include Auckland and other gateway cities.

The key difference between brands comes down to price point and property size. InterContinental properties are your best bet for maximizing the $500 credit at truly luxury hotels. Kimpton offers a more intimate boutique experience at slightly lower price points. Hotel Indigo represents the best value when you want to stretch your credits across multiple trips.

Hot Tip: If you're also working on earning IHG One Rewards elite status, these Edit stays count toward your annual night requirements while delivering outsized value through the credits.

10 IHG Properties Where You Can Stack Both Credits

Finding properties that qualify for both credits requires knowing where to look. Here are ten standout IHG hotels in The Edit that let you double-dip.

InterContinental Marseille Hotel Dieu (Marseille, France)

This 18th-century building overlooks Marseille's old harbor and offers one of the most scenic luxury experiences in southern France. Peak summer rates easily hit $600-700 per night, but shoulder season (April-May or September-October) brings rates down to $400-500. The $500 credit can nearly cover a two-night shoulder season stay.

The property credit works well here because the hotel has multiple dining venues and a spa. Use it for dinner at the rooftop restaurant or a couples massage. IHG One Rewards members also earn points and receive recognition, which could mean additional upgrades or late checkout beyond what The Edit already provides.

Kimpton Gray Hotel (Chicago, Illinois)

Located in Chicago's Loop, the Kimpton Gray sits in a beautifully restored historic building within walking distance of Millennium Park, the Art Institute, and State Street shopping. Weekend rates typically run $350-450 per night.

The rooftop pool and bar are highlights during warm months. The property credit can cover cocktails and appetizers at the rooftop or dinner at the hotel's Italian restaurant. As a Kimpton property, you'll also get the complimentary wine hour every evening. That's breakfast included with The Edit, plus free wine and snacks before dinner.

The location makes this property ideal for a Chicago weekend getaway. You're close enough to walk to major attractions, which saves money on transportation. If you're planning a Chicago trip, check out our guide on maximizing points for U.S. city breaks.

Kimpton Vero Beach Hotel & Spa (Vero Beach, Florida)

This beachfront property on Florida's Treasure Coast offers a more relaxed, resort-style experience compared to urban Kimpton locations. Rates are surprisingly reasonable for a beachfront luxury hotel, often $300-400 per night in shoulder season.

The $100 property credit goes far at the spa, which offers oceanfront treatment rooms. The complimentary breakfast is served at the oceanview restaurant, and the daily wine hour happens at the beach bar. Between the included breakfast, free wine hour, and $100 credit, you could easily avoid paying for any food or drinks during your stay.

Vero Beach is also a lesser-known Florida destination, which means fewer crowds than Miami, Fort Lauderdale, or Palm Beach. The hotel offers loaner bikes for exploring the local area, adding another layer of value. For more Florida beach strategies, see our guide to best Florida beach hotels using points.

Hot Tip: Book this property during summer hurricane season (June-November) for the lowest rates, then use travel insurance from your Chase Sapphire Reserve's trip protection benefits to cover any weather-related cancellations.

InterContinental Osaka (Osaka, Japan)

Japan can be expensive, but this strategy helps offset costs significantly. The InterContinental Osaka typically runs $350-500 per night depending on season. With $500 in credits, you're looking at potentially covering most or all of a two-night stay during shoulder season.

The property features a traditional Japanese bathhouse, which is a unique experience you won't find at Western InterContinental locations. The hotel has five restaurants, so your $100 property credit could cover a kaiseki dinner or several meals at the casual dining venues. Being in Osaka rather than Tokyo also means better value for your yen.

IHG One Rewards members receive benefits here, and the hotel is known for good elite recognition. If you have Platinum status or higher, you might score a suite upgrade or executive lounge access on top of The Edit perks. For more Japan travel strategies, check out our comprehensive guide to using points and miles for Japan trips.

InterContinental New York Times Square (New York City, New York)

New York hotels are notoriously expensive. The InterContinental Times Square typically charges $450-600 per night, and that's before you factor in parking (up to $80 per night) or resort fees. The $500 credit makes a significant dent in what would otherwise be a $1,000+ weekend.

The location is unbeatable for first-time NYC visitors or anyone who wants to be in the heart of Midtown. You're walking distance to Broadway theaters, Rockefeller Center, Central Park, and major shopping. The hotel's restaurant and bar are useful for the property credit, and the views from upper floors are excellent.

One strategy: book the stay with credits, skip the parking, and use public transportation or rideshares. The money you save on parking alone nearly covers a second night elsewhere.

Kimpton Vividora Hotel (Barcelona, Spain)

Barcelona's Gothic Quarter is the city's most atmospheric neighborhood, and the Kimpton Vividora puts you right in the center. The hotel occupies a restored 19th-century building with modern interiors, rooftop terrace, and family-friendly room configurations.

Rates run $350-500 per night depending on season and room type. The $500 credit could cover most of a shoulder-season stay, leaving you with money to spend on paella and Gaudí architecture instead of your hotel bill.

The location is walkable to La Rambla, the Barcelona Cathedral, and the beach. The property credit works well at the hotel's restaurant, or you could use it for the rooftop bar with views over the Gothic Quarter. As a Kimpton, you get the wine hour, making this an exceptionally good value when you factor in all the included perks. Planning a European trip? Check out our guide on best Chase Ultimate Rewards transfer partners for Europe.

Hotel Indigo Auckland (Auckland, New Zealand)

Auckland's Hotel Indigo offers a more affordable entry point for this strategy, with rates typically $200-300 per night. The $500 credit could nearly cover a full two-night stay here, making it one of the best pure discounts in The Edit collection.

The hotel is centrally located in Auckland's CBD within walking distance of restaurants, shopping, and the waterfront. It's a solid base for exploring Auckland before heading to other parts of New Zealand. The property credit can cover dinner at the hotel's restaurant or drinks at the bar.

Auckland also has an InterContinental property in The Edit, giving you two options in the same city. If you're booking during peak season when the Hotel Indigo is more expensive, check if the InterContinental Auckland offers better value with the credits applied.

Kimpton Santo San Antonio Riverwalk (San Antonio, Texas)

The Kimpton Santo sits in San Antonio's Southtown arts district, a quick walk from the famous Riverwalk. This is a newer property blending historic architecture with modern design, including a rooftop pool with views over downtown.

Rates typically run $250-400 per night depending on season and events. San Antonio hosts major conventions and events year-round, which can spike prices. The $500 credit smooths out those peaks, making it easier to visit during popular times like Fiesta or when the Spurs are in the playoffs.

The hotel's restaurant serves breakfast (included with The Edit) and dinner (use your property credit here). The rooftop pool is the highlight, offering a resort feel in an urban setting. It's also pet-friendly, so you can bring your dog without fees.

Kimpton Las Mercedes (Santo Domingo, Dominican Republic)

This is one of the more unique properties in The Edit. The Kimpton Las Mercedes occupies a restored colonial building in Santo Domingo's Colonial City, a UNESCO World Heritage Site. Some rooms have private hot tubs on their terraces.

Rates are very reasonable for the Caribbean, often $200-350 per night. The $500 credit could cover most or all of a two-night stay, making this an extremely affordable luxury getaway. The hotel isn't beachfront (the beach is about 40 minutes away), but it compensates with historical ambiance and unique character.

The property credit works well at the hotel's restaurant or rooftop bar. You also get loaner bikes to explore the Colonial City, which is full of 16th-century architecture, museums, and cafes. This is a strong pick for couples looking for a different kind of Caribbean experience beyond the typical beach resort.

InterContinental Crete (Crete, Greece)

The InterContinental Crete overlooks Mirabello Bay in Agios Nikolaos, less than an hour from Heraklion Airport. This is a proper resort with infinity pools, multiple restaurants, spa, and beachfront access. Rates are surprisingly affordable for Greece, typically $250-400 per night.

The $500 credit could cover most of a shoulder-season stay here, essentially giving you a luxury Greek island resort at a fraction of the normal cost. The property credit goes toward spa treatments, water sports, or upgraded dining experiences. The complimentary breakfast alone saves you $30-40 per day for two people.

Crete is less touristy than Santorini or Mykonos but offers equally beautiful scenery and better value. The InterContinental's location in Agios Nikolaos gives you a charming coastal town to explore, with tavernas, shops, and beaches within walking distance.

How to Find and Book Qualifying Properties

Finding IHG properties in The Edit requires a specific search strategy on Chase Travel. Here's the step-by-step process.

Start with the Chase Travel Portal

Log into your Chase account and navigate to Chase Travel. You need to be logged in with your Sapphire Reserve card to see The Edit collection. Make sure your Sapphire Reserve is set as your default Chase Ultimate Rewards earning card.

Use the Points Boost Filter

In the hotel search section, check the box for "Points Boost hotels only." This filter limits results to properties offering enhanced point earning, which includes most Edit properties. Not all Points Boost hotels are in The Edit, but all Edit hotels offer Points Boost.

This first filter dramatically reduces the number of properties you're searching through, making it easier to spot qualifying hotels.

Apply the IHG Brand Filter

Once you have Points Boost results, look for the filter option labeled "All InterContinental Hotels Group." Selecting this limits your search to IHG properties specifically. You can also search by individual IHG brands like InterContinental, Kimpton, or Hotel Indigo.

The brand filter doesn't always work perfectly. Some properties may not appear even though they qualify. That's why it's helpful to try multiple search approaches.

Look for The Edit Logo

The most important visual indicator is The Edit logo on the hotel's listing image. If you see the distinctive Edit branding, that property qualifies for the $250 Edit credit. Combined with the IHG brand filter, this confirms the property also qualifies for the $250 IHG brand credit.

Verify the Booking Details

Before you book, click into the property and scroll to the booking details. You should see:

• Points Boost rate (confirming you'll earn 8x points)
• The Edit benefits listed (breakfast for two, $100 property credit, upgrade when available, early check-in/late checkout)
• IHG One Rewards logo (confirming you can add your loyalty number)

If all four elements are present, you've found a property that qualifies for both credits.

Alternative Search Strategy

The filters don't always work perfectly. An alternative approach is searching specific hotel brands by name. Type "InterContinental" or "Kimpton" in the hotel name search box while filtering for Points Boost. This often surfaces Edit properties that might not appear in brand filter results.

You can also search by city first, then manually scroll through results looking for the Edit logo on IHG properties. This is slower but catches properties that fall through filter gaps.

Maximizing Your Edit and IHG Credits

Getting the credits is one thing. Maximizing the overall value requires strategic thinking about when to book, how to structure your stay, and which properties deliver the most benefit per dollar saved.

Booking During Shoulder Season

The Edit collection includes luxury properties where rates vary dramatically by season. A hotel charging $700 per night in peak summer might drop to $400 in shoulder season. Your $500 credit represents a bigger percentage discount during lower-rate periods.

Consider this math: $500 off a $700 stay equals a 71% discount. $500 off a $400 stay equals a 125% credit, meaning your stay is essentially free with $100 left over to offset other charges. The second scenario delivers more value even though the base rate is lower.

Target shoulder season months: April-May and September-October in Europe; September-November and January-March for Caribbean and beach destinations; and weekdays year-round in urban business hotels.

Structuring the Minimum Two-Night Stay

Both credits require a minimum two-night prepaid booking. But there's no maximum, which creates strategic opportunities. You could book three or four nights and still receive both credits, applying $500 against the total cost.

Longer stays make sense when you're getting additional value from the property credit and included breakfast. Four nights of complimentary breakfast for two guests represents $120-160 in saved costs at a luxury hotel. The $100 property credit can cover multiple dinners or a spa day. These benefits scale with longer stays.

However, be mindful of the credit structure. The Edit credit maxes out at $250 per stay. If you want to use all $500 of your annual Edit allocation, you need to book two separate qualifying stays. Don't burn both credits on a single four-night trip unless that delivers the best overall value for your travel plans.

Optimizing the $100 Property Credit

The $100 property credit is designated by each hotel for specific use cases: typically spa services, dining, or resort amenities. Check the property's fine print before booking to confirm how the credit can be used.

At resort properties, the credit often covers water sports, excursions, or spa treatments. These are high-margin services where $100 goes further in perceived value. A 50-minute massage might cost $150 as an outside customer, but the hotel's cost is much lower. You're capturing more value from the credit here than using it for restaurant meals.

At urban properties, the credit usually applies to on-site restaurants and bars. Strategy: use it for breakfast or lunch rather than dinner. Hotel restaurants often charge premium prices for dinner, and you can usually find better value eating off-property for evening meals. But hotel breakfast or lunch is convenient and using the credit means you're not paying premium prices.

Some properties allow the credit toward mini-bar items or room service. This can be useful for families or anyone who values the convenience of in-room dining. Room service for two people often hits $80-100 when you factor in service charges and gratuity, making the credit valuable here.

Earning Points on the Unbilled Portion

Don't forget you're earning 8x Ultimate Rewards points on the portion of your stay not covered by statement credits. If your stay costs $700 and you apply $500 in credits, you're paying $200 and earning 1,600 points.

Those 1,600 points are worth approximately $32 when transferred to airline or hotel partners like Hyatt, United, or Singapore Airlines. That's another 16% return on your $200 spend. And if you value Ultimate Rewards points at the higher end (2+ cents per point for premium redemptions), you're getting $32-40 in points value.

The points earning makes this strategy even more valuable compared to booking the same hotel through the hotel's website or another OTA. You're getting the credits plus enhanced points earning that you wouldn't receive elsewhere. For more on maximizing Chase points, see our comprehensive guide to earning Ultimate Rewards points faster.

Stacking with IHG One Rewards Benefits

When you book an IHG property through The Edit, you're eligible for IHG One Rewards program benefits. Add your IHG loyalty number when booking through Chase Travel to receive:

• Points earning on the paid portion of your stay
• Elite status recognition (if you have Platinum, Diamond, or higher status)
• Potential additional upgrades or benefits based on elite tier

IHG elite members often receive breakfast as a status benefit, but The Edit already includes breakfast for two. The redundancy doesn't hurt you, and elite members might receive additional food & beverage credits or spa credits on top of the $100 Edit property credit.

Diamond and Platinum members can also receive confirmed upgrades at many IHG properties. Combined with The Edit's upgrade-when-available benefit, your chances of getting a suite or premium room are higher when you have status. If you don't have IHG elite status yet, consider getting the IHG One Rewards Premier Credit Card, which provides automatic Platinum status and a free anniversary night.

Using Points Boost for Partial Payment

Points Boost allows you to pay for a portion of your hotel stay with Ultimate Rewards points at enhanced value. The Edit properties offer redemption rates up to 2.5 cents per point through Points Boost.

Here's where it gets interesting: to maximize both statement credits, you need to charge at least $250 to your Sapphire Reserve card. That triggers both the $250 Edit credit and the $250 IHG credit. But you can pay for any amount above that $250 minimum with points at 2.5 cents per point.

Example: your stay costs $700. Pay $250 with your card (receiving $500 back in credits) and 18,000 points for the remaining $450 ($450 ÷ 0.025 = 18,000 points). Your out-of-pocket cost is $250, you receive $500 in credits applied as statement credits on your next bill, and you used 18,000 points valued at $450.

The net result: you paid $250 in cash, used 18,000 points worth approximately $270 when transferred to travel partners (at 1.5 cents per point), and stayed at a $700 luxury hotel. That's better math than transferring points to hotel programs where 18,000 points might cover only a mid-tier property.

Common Mistakes to Avoid

This strategy has nuances that trip up first-time users. Here are the most common mistakes and how to avoid them.

Booking Too Few Nights

Both credits require a two-night minimum stay. If you book a one-night stay, even at a qualifying Edit property with IHG brand, you receive zero credits. The system won't prorate or offer partial credits for shorter stays.

Always book at least two consecutive nights. If you only need one night somewhere, either extend to two nights to capture the credits or book a different hotel where you're not expecting credit benefits.

Not Prepaying the Full Stay

The credits apply to prepaid bookings only. If you book a flexible rate where you pay at the hotel, you won't receive statement credits even if it's a qualifying Edit property. Chase processes the credits as statement credits after your prepaid charge posts to your account.

Always select the prepaid rate when booking. These rates are typically cheaper than flexible rates anyway, so you're getting better base pricing plus the credits. The only downside is reduced cancellation flexibility.

Missing the IHG Loyalty Number

If you don't add your IHG One Rewards number when booking through Chase Travel, you forfeit IHG program benefits like points earning and elite recognition. This doesn't affect the Edit credits or Chase points earning, but it leaves IHG value on the table.

There's a field during the Chase Travel booking process to add your loyalty number. Fill it in. If you forget, call the hotel directly after booking and ask them to add your IHG number to the reservation. Most properties can update this pre-arrival.

Not Verifying The Edit Logo

Some properties appear when you filter for Points Boost and IHG but aren't actually in The Edit collection. These properties earn you 8x points and may offer good rates, but they don't qualify for the $250 Edit credit.

Always visually confirm the Edit logo appears on the hotel listing image before booking. If you don't see the logo, that property isn't in the Edit collection regardless of what the filters suggest.

Booking Without Checking Terms

Each property lists its terms for The Edit benefits. Sometimes breakfast is only for one guest instead of two. Sometimes the property credit has restrictions like "spa services only" or "excludes alcohol." Sometimes room upgrades are noted as unlikely or limited.

Read the Edit benefits section in the property details before booking. If the benefits are more limited than you expected, it might change your decision about whether that property delivers enough value.

Forgetting About the Annual Limits

The Edit credit provides up to $500 annual maximum. The IHG brand credit is available once in 2026 only. Once you've used the IHG credit on one stay, you can't use it again until Chase announces whether they're continuing the program in 2027.

Plan strategically. If you have a big luxury trip coming up, use the IHG credit there to maximize savings. For other trips throughout the year, use the Edit credit without the IHG brand credit. You can still get $250 per stay on non-IHG properties in The Edit.

Alternative IHG Properties Worth Considering

The ten properties listed earlier are highlights, but they're not your only options. Here are additional IHG Edit properties worth considering depending on your travel plans.

InterContinental Miami (Miami, Florida)

Downtown Miami on Biscayne Bay with yacht marina views. Rates run $400-600 per night. The property credit can offset expensive South Beach dining prices. Good option for cruise departure stays or Miami business travel.

Kimpton Hotel Monaco Philadelphia (Philadelphia, Pennsylvania)

Historic property in Old City Philadelphia near Independence Hall and the Liberty Bell. Rates typically $300-450 per night. Great for history-focused trips or Temple University visits. The pet-friendly policy and evening wine hour add value.

InterContinental Buckhead Atlanta (Atlanta, Georgia)

Upscale Buckhead neighborhood location with Southern charm. Rates around $300-500 per night. The hotel has strong elite recognition for IHG Diamond members. Useful for Atlanta business trips or as a base for exploring Georgia.

Hotel Indigo Denver Downtown (Denver, Colorado)

Lower-cost entry point in Denver's LoDo neighborhood. Rates typically $200-350 per night. The $500 credit could nearly cover a full stay during shoulder season. Walking distance to Coors Field and downtown attractions.

Kimpton Hotel Van Zandt (Austin, Texas)

Music-themed boutique hotel in the Rainey Street District. Rates run $300-500 depending on season and events. SXSW and ACL Festival periods spike prices significantly, making the credit especially valuable. Rooftop pool with city views.

InterContinental Bora Bora Resort & Thalasso Spa (Bora Bora, French Polynesia)

This is the aspirational option. Overwater bungalows in Bora Bora with rates often $800-1,200 per night. The $500 credit makes a noticeable dent in an otherwise extremely expensive property. The property credit can cover a couples spa treatment or romantic dinner. If Bora Bora is on your bucket list, using both credits here delivers maximum dollar savings even if it's not the highest percentage discount.

FAQ

Can I book separate rooms and still get both credits?

No. The credits apply to a single reservation. If you book two rooms for a group trip, you'll only receive credits on the primary reservation. However, you could book separate back-to-back reservations (two different stays at the same hotel) to potentially use the Edit credit twice, but the IHG brand credit is only available once in 2026.

Do the credits stack with Chase's $300 annual travel credit?

Yes. The Edit and IHG credits are separate from the Sapphire Reserve's $300 annual travel credit. You can use the $300 travel credit toward other travel expenses like airline tickets or different hotel bookings. All three credits ($250 Edit + $250 IHG + $300 travel) can be utilized in the same calendar year for maximum value.

What happens if I cancel my Edit booking?

Prepaid bookings in The Edit collection have varying cancellation policies by property. Some allow free cancellation up to a certain date, others charge penalties. If you cancel and receive a refund, any applied statement credits will be reversed. Check the cancellation terms before booking, especially for expensive properties.

Can I earn bonus points with a shopping portal on top of 8x Chase points?

Generally no. Chase Travel bookings don't trigger shopping portal bonuses because you're booking through Chase's portal, not the hotel's website directly. You're already getting 8x Ultimate Rewards points (better than the typical 1-2x you'd earn from portals), so the trade-off favors booking through Chase for the enhanced earning plus credits. For more on shopping portal strategies, we have a comprehensive guide.

Is breakfast included for children beyond the two guests?

This varies by property. The Edit guarantee is breakfast for two guests. Some hotels extend breakfast to all guests in the room (including children), while others charge for additional people. Check with the specific hotel if you're traveling with kids. In practice, many luxury hotels include breakfast for children under a certain age regardless of the two-guest Edit benefit.

Can I use the IHG credit at non-Edit IHG properties?

No. The IHG brand credit only applies to IHG properties that are also part of The Edit collection. Regular IHG hotels not in The Edit don't qualify for either credit. You need the double qualification (IHG brand + Edit collection membership) to stack both credits.

Final Thoughts

The Chase Edit and IHG credit stacking strategy represents one of the best pure discount opportunities in travel right now. When you find the right property during the right season, you're essentially staying at luxury hotels for 50-70% off while collecting points, perks, and benefits that would normally cost hundreds additional.

The key is being strategic about which properties you target. Higher base rates in shoulder season often deliver the best percentage value. Resort properties maximize the $100 property credit better than urban hotels. And locations you were planning to visit anyway make more sense than forcing a trip just to use credits.

Remember: the IHG brand credit is only available once in 2026. The Edit credit renews annually and can be used twice per year ($250 maximum per stay). Plan your biggest luxury hotel splurge for the IHG credit, then use the Edit credit throughout the year on other qualifying stays.

With The Edit collection including dozens of IHG properties worldwide, you have plenty of options whether you're planning European city breaks, U.S. weekend getaways, Caribbean beach vacations, or bucket-list destinations like Bora Bora. The credits are real money in your pocket, the perks genuinely enhance your stay, and the points you earn create additional value for future travel. That's the definition of a win-win-win strategy.

This article contains affiliate links. If you apply for the Chase Sapphire Reserve through our links, we may earn a commission at no cost to you, which helps us continue sharing points and miles strategies with the community.