How my IHG Premier Card pays for itself annually

The IHG One Rewards Premier Credit score Card (see charges and costs) at present has a limited-time welcome provide of 5 nights after spending $5,000 on purchases within the first three months from account opening. Every of the 5 nights is legitimate for a one-night lodge keep at a property with a redemption degree as much as 60,000 factors, so this welcome provide is a compelling purpose to get the cardboard now.
In line with TPG’s June 2025 valuations, this welcome provide is price as much as $1,500.
Even after you earn the welcome provide, the IHG Premier Card pays for itself annually.
It gives a variety of helpful advantages, similar to automated Platinum Elite standing, each fourth evening free once you redeem IHG factors for stays of 4 nights or extra and as much as $50 in United® TravelBank Money every calendar yr.
However one profit rises above the remaining and successfully covers the cardboard’s annual price annually: the account anniversary evening certificates. Let’s dive in.
IHG anniversary evening certificates
Yearly in your account anniversary with the IHG One Rewards Premier, you will obtain a certificates for a one-night keep at a property with a degree redemption worth of 40,000 factors or much less.
TPG’s June 2025 valuations peg the worth of 40,000 IHG factors at $200, greater than double the IHG One Rewards Premier’s $99 annual price. So, you must simply get sufficient worth to cowl your card’s annual price by redeeming your anniversary evening certificates annually.
One among my favourite inns to make use of an IHG anniversary evening certificates at is the Kimpton De Witt in Amsterdam. Throughout shoulder and off-season, you typically discover award nights bookable for round 40,000 factors. For instance, for a keep on Jan. 19, I may redeem 39,000 factors or pay $259 for a reservation that I can cancel without spending a dime till a day earlier than my keep.
In fact, you would use an IHG anniversary evening certificates in lots of different methods. No matter how you utilize it, you will probably get at the least $99 in worth. You may as well add factors out of your account to make use of the anniversary evening certificates at dearer properties if you cannot discover something to your liking inside the 40,000-point restrict.
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You need to redeem your anniversary evening certificates and full your keep inside 12 months of when IHG points the certificates.
Associated: Why you must get (and preserve) the IHG One Rewards Premier card
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To be taught extra, see our full assessment of the IHG One Rewards Premier.
Apply right here: IHG One Rewards Premier
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