I already have the IHG Premium Credit Card for collecting max points; I deem the annual fee to be worth paying, as it gets me a free night anyway, plus gives enhanced points on spending. But they just offered me the standard IHG credit card, with no annual fee, and the offer of 10,000 points for spending £200 in the first few months. So that's what I will be doing. And then maybe even taknig advantage of their tempting balance transfer after the spend to get the points. Anyone else had a similar offer ?