Whine Wednesdays: Cobranded Card Incorrect Spend Case – Chase & IHG

Whine Wednesdays: Cobranded Card Incorrect Spend Case – Chase & IHG

The main selling point of cobranded cards, in addition to sign-up bonuses and possible status fast tracks, is usually accelerated spending.

With airlines, this tends to be easy because card issuers get the ticket number that identifies the issuing entity, but with hotels, this is trickier because all the properties process charges individually, and in the case of IHG, Hilton, and Marriott, there are 6,000 to 8,000 hotels belonging to each.

You can access IHG here.

READ MORE: IHG One Rewards Rate & Bonus Points Offers

I recently noted that many IHG stays had been posted to my Chase IHG cobranded card as a Travel, not IHG hotel spend, lowering the number of points earned per USD from 10 to 5.

Correctly Identified as IHG

  • InterContinental Bangkok
  • InterContinental Sydney
  • ANA InterContinental Tokyo
  • InterContinental Sao Paulo
  • Holiday Inn Fortaleza
  • ANA Crowne Plaza Sapporo
  • InterContinental Park Lane
  • Indigo Helsinki
  • InterContinental Paris Le Grand
  • InterContinental Montreal
  • InterContinental Toronto Centre
  • InterContinental Perth
  • InterContinental Sydney


  • Regent Hong Kong
  • Holiday Inn Natal
  • InterContinental Singapore
  • Kimpton Tokyo Shinjuku
  • Holiday Inn Cairns
  • Voco Melbourne Central
  • InterContinental Grand Stanford

+ You should not charge Ambassador renewal to your IHG cobranded card, as it won’t post IHG or even Travel spend, but rather “business services” and yields 3 points per USD.

So, on Chase’s end, 7 of 20 different IHG hotels I have stayed at over the past 12 months are incorrectly coded as non-IHG.


I understand it is a challenge for card issuers and hotel chains to ensure that properties are correctly coded, but getting 35% incorrect in my sample of 20 different properties is terrible.

At least the IHG hotels I mostly frequent post correctly. Otherwise, I would swipe another card because I have no patience to babysit charges and message Chase when something is incorrectly posted as Travel.

And why would IHG designate these Ambassador renewals as business services and not something IHG related? Well. At least next year, I won’t pay that charge with an IHG card.

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