Editor’s notice: This can be a recurring publish, frequently up to date with new data.
IHG Rewards Premier Credit score Card overview
The IHG Rewards Premier Credit score Card affords many useful perks for frequent IHG vacationers and a giant welcome bonus. With an annual charge of $99, nevertheless, you might not get sufficient ongoing worth from this card if IHG One Rewards isn’t your main resort loyalty program. Card Ranking*: ⭐⭐⭐⭐
*Card Ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The IHG Rewards Premier Credit score Card affords quite a lot of perks for vacationers who regularly stick with IHG. For instance, you’ll get computerized Platinum Elite standing so long as you’re an IHG Premier cardholder. The cardboard additionally affords a singular fourth-night-free reward perk that permits cardholders to pay zero factors for each fourth evening when redeeming factors for award stays of 4 nights or longer.
Plus, the cardboard at the moment has its best-ever welcome bonus: 175,000 bonus factors after spending $3,000 on purchases inside the first three months of account opening.
However, one perk alone — the anniversary free evening annually, legitimate for an evening costing as much as 40,000 factors — can simply present sufficient worth so that you can justify paying the IHG Premier’s annual charge annually. Premier cardmembers can even prime off their award nights with factors, permitting you to make use of the certificates to remain at higher-priced motels just like the Six Sense Laamu within the Maldives.
So, let’s take a look at whether or not the IHG Premier Card is an efficient alternative for you.
Who is that this card for?
The IHG Premier Card is well-suited to vacationers who can take full benefit of the cardboard’s perks. These perks embrace complimentary Platinum Elite standing, a fourth-night-free reward whenever you redeem factors for a keep of 4 or extra nights and an anniversary reward evening annually and extra.
With a beneficiant sign-up bonus, stable return on IHG spending and loads of perks, IHG One Rewards loyalists will profit from this card. Even vacationers who solely stick with IHG a number of occasions a yr could get ample worth from the IHG Premier Card.
Associated: Why I’m completely happy to pay the annual charge on the IHG Premier Card
Join our day by day e-newsletter
Present sign-up bonus
Proper now, the IHG Premier Card is providing its best-ever welcome bonus. You may earn 175,000 bonus factors after spending $3,000 on purchases within the first three months from account opening.
TPG values IHG factors at 0.5 cents every. Based mostly on this valuation, the bonus is value $875 alone.
Observe, nevertheless, that you simply received’t be eligible for this card (or its bonus) if you happen to at the moment have any IHG private bank card or have earned a welcome bonus on one other IHG private bank card inside the final 24 months. This rule does not apply to holding the IHG Rewards Premier Enterprise Credit score Card or bonuses earned on that card, nevertheless.
Associated: The perfect time to use for these in style Chase bank cards primarily based on provide historical past
Foremost advantages and perks
The IHG Premier Card carries a comparatively modest $99 annual charge. Nonetheless, the cardboard’s precise worth hinges on whether or not you’ll use the advantages regularly sufficient to justify that annual charge. Right here’s an outline of the cardboard’s major IHG-related perks:
Anniversary free evening: Cardholders obtain a reward evening certificates legitimate for a one-night resort keep at a property costing as much as 40,000 factors. This profit is annual, beginning on the primary account anniversary. Though IHG makes use of dynamic award pricing, it isn’t tough to search out an interesting redemption choice on your certificates. For instance, I’ve redeemed anniversary free evening certificates for stays on the InterContinental Buenos Aires, InterContinental Madrid and Kimpton De Witt.
Observe that you should utilize an infinite variety of factors to prime off this certificates and use it for higher-priced properties. For instance, a room priced at 55,000 factors may be booked utilizing the free evening plus 15,000 factors out of your IHG One Rewards account.
Complimentary IHG Platinum Elite standing: IHG One Rewards Platinum Elite members get pleasure from 60% bonus earnings on paid stays when reserving instantly with IHG One Rewards, room upgrades primarily based on availability at check-in, a welcome amenity and a number of different perks.
Fourth-night-free reward: Once you redeem factors for a keep of 4 nights or longer, you’ll pay zero factors for each fourth evening. If yow will discover 4 nights of consecutive award house at a property you want, this may be a good way to stretch your factors even additional. After all, the worth of this perk relies on how regularly you redeem IHG factors for stays of 4 nights or extra.
10,000 bonus factors after spending $20,000: You’ll earn 10,000 bonus factors and a $100 assertion credit score after spending $20,000 and making one extra buy in an account anniversary yr. Based mostly on TPG’s valuations, these bonus factors are value $50; mixed with the assertion credit score, this bonus may be value as much as $150. Nonetheless, think about whether or not you’ll realistically spend $20,000 in your card throughout your account anniversary yr — particularly if you happen to can in any other case put these purchases on a stable on a regular basis spending card.
20% off when shopping for IHG factors: Save 20% in your buy of IHG factors whenever you pay together with your IHG Premier Card. Nonetheless, this low cost doesn’t stack with different reductions when IHG places factors on sale. Additionally, these factors are thought-about non-qualifying factors and won’t rely in the direction of elite qualification, so the worth shall be minimal for many cardholders.
Moreover, IHG Premier cardholders get pleasure from the next common perks when utilizing their card:
- Software charge credit score for International Entry, TSA PreCheck or Nexus: You will get reimbursed as much as $100 each 4 years whenever you cost a International Entry, TSA PreCheck or Nexus software charge to your card.
- Auto rental collision harm waiver: Once you decline the rental firm’s collision insurance coverage and cost your entire rental price to your card, you’ll get protection towards theft and collision. Nonetheless, protection is secondary when renting inside the U.S.
- Baggage delay insurance coverage: You may be reimbursed as much as $100 a day for as much as three days for necessities if a typical service delays your baggage for greater than six hours.
- Misplaced baggage reimbursement: You may be reimbursed as much as $3,000 per passenger in case your checked or carry-on baggage is broken or misplaced by a typical service.
- Journey cancellation and journey interruption insurance coverage: You may be reimbursed as much as $5,000 per particular person and as much as $10,000 per journey for pay as you go, nonrefundable journey bills in case your journey is canceled or lower quick for a lined motive.
- Buy safety: Your new purchases are lined for 120 days towards harm or theft, as much as $500 per declare and as much as $50,000 per account.
- Prolonged guarantee safety: Get a one-year extension on eligible purchases with a U.S. producer’s guarantee of three years or much less.
As different playing cards drop purchasing and journey protections, these advantages could possibly be a severe issue when selecting a brand new bank card. Nonetheless, as mentioned within the subsequent part, you received’t get a excessive return charge on most purchases with the IHG Premier Card.
Associated: Register now: Complimentary IHG Platinum standing for choose United credit score cardholders
The right way to earn factors
Lodge bank cards are usually weak on the incomes entrance, however this card’s potential earnings at IHG motels is fairly stable.
You’ll earn 10 factors per greenback spent at IHG motels and resorts. And, whenever you mix the ten factors per greenback spent earned by utilizing your card with the factors you’ll earn as an IHG Platinum Elite, you’ll earn 26 factors per greenback spent on most IHG stays.
As well as, cardmembers earn 5 factors per greenback spent on journey, eating and fuel purchases, plus 3 factors per greenback spent on all different purchases. Based mostly on TPG’s valuation, this interprets to a 2.5% return when utilizing your IHG Premier Card in these bonus classes — although on on a regular basis purchases, the 1.5% return is definitely crushed by many different playing cards.
Associated: 7 methods to earn IHG One Rewards factors
The right way to redeem factors
IHG One Rewards doesn’t have an award chart. As a substitute, it makes use of dynamic award pricing. IHG’s web site states that nights begin at 10,000 factors, though we’ve seen nights priced as little as 5,000 factors. And though there’s no acknowledged most, the very best I’ve seen is 120,000 factors per evening (excluding Six Senses and Mr and Mrs Smith properties, which do regularly price extra).
However, even with IHG’s dynamic award pricing, it’s nonetheless doable to maximize IHG One Rewards redemptions. And, with a bit of little bit of looking out, you typically can redeem IHG One Rewards factors for greater than TPG’s valuation of 0.5 cents per level.
You can also combine factors and money on your award stays. In some circumstances, this may occasionally present good worth. Once you e-book this manner, IHG sells you the additional factors after which debits your account for the total variety of factors. On this instance, you’d successfully buy IHG factors for 0.63 to 0.66 cents every. IHG regularly sells factors at this worth (or cheaper), which may be one other technique to prime up your account.
It’s additionally value mentioning the IHG Premier’s fourth-night-free reward perk once more. Once you e-book a reward evening of 4 nights or longer, each fourth evening of that keep will price zero factors. You should utilize this perk limitless occasions annually, however factors and money stays will not be eligible.
Lastly, some vacationers consider IHG’s coverage on blackout dates makes it one of many weaker resort applications for award evening availability. The phrases and situations of the IHG One Rewards program notice the next:
There are not any blackout dates for Reward Nights; nevertheless, room stock is proscribed and topic to prior sale. As well as, Members could not be capable of redeem Factors for Reward Nights at InterContinental Residences, IHG Military Lodges, choose Six Senses Lodges Resorts and Spas and choose Mr & Mrs Smith motels.
So whereas there are not any blackout dates per se, motels can restrict the variety of rooms they make accessible for award bookings.
Associated: The right way to redeem factors with the IHG One Rewards program
Competing playing cards
Should you’re loyal to IHG, a card from one other resort model won’t benefit your consideration.
Nonetheless, IHG does have the IHG Rewards Traveler Credit score Card, which has no annual charge. The present welcome bonus on this card is its greatest ever too: 120,000 factors after spending $2,000 on purchases inside three months of account opening. The cardboard earns 5 factors per greenback at IHG motels and resorts, 3 factors per greenback at fuel stations, utilities and eating places and a pair of factors per greenback on different purchases. Advantages embrace computerized Silver standing with IHG One Rewards, a 20% low cost on IHG factors purchases and a fourth evening free on award stays.
The Chase Sapphire Most well-liked Card has a $95 annual charge and permits for 1:1 factors transfers from Chase Final Rewards to IHG One Rewards. Cardholders can earn a welcome bonus of 60,000 factors after spending $4,000 on purchases within the first three months from account opening. The cardboard earns factors as follows: 5 Chase Final Rewards factors per greenback spent on journey booked via the Final Rewards Journey portal, 5 factors per greenback on Lyft rides via March 2025, 3 factors per greenback spent on eating, 3 factors per greenback spent on choose streaming providers, 3 factors per greenback spent on on-line groceries (excludes Goal, Walmart and wholesale golf equipment), 2 factors per greenback spent on different journey and 1 level per greenback spent on all different eligible purchases. The cardboard additionally affords as much as $50 in resort spending credit per yr.
Associated: Why I typically select IHG and Alternative motels, regardless of restricted elite perks
Should you’re a loyal IHG traveler seeking to profit from IHG One Rewards, it is smart to have the IHG Rewards Premier Credit score Card. In spite of everything, the cardboard gives perks like computerized Platinum Elite standing, a fourth-night-free reward on award stays of 4 or extra nights and a big bonus multiplier for IHG stays. Plus, it’s doable to get quite a lot of worth when redeeming IHG One Rewards factors.
Should you’ve been on the fence about this card, receiving one of the best welcome bonus this card has ever supplied would possibly persuade you to use now.
Official software hyperlink: IHG Rewards Premier Credit score Card.
Further Reporting by Ryan Wilcox, Christina Ly and Ryan Smith.