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IHG Rewards Premier Credit score Card overview
The IHG Rewards Premier Credit score Card gives many useful perks for frequent IHG vacationers and a giant welcome bonus. With an annual charge of $99, nevertheless, you could not get sufficient ongoing worth from this card if IHG One Rewards isn’t your main lodge loyalty program. Card Score*: ⭐⭐⭐⭐
*Card Score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The IHG Rewards Premier Credit score Card gives loads of perks for vacationers who steadily stick with IHG. For instance, you’ll get automated Platinum Elite standing so long as you’re an IHG Premier cardholder. The cardboard additionally gives a novel fourth-night-free reward perk that permits cardholders to pay zero factors for each fourth night time 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 throughout the first three months of account opening.
However, one perk alone — the anniversary free night time every year, 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 every year. Premier cardmembers may prime off their award nights with factors, permitting you to make use of the certificates to remain at higher-priced accommodations 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 selection 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 if you redeem factors for a keep of 4 or extra nights and an anniversary reward night time every year and extra.
With a beneficiant sign-up bonus, strong 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 might get ample worth from the IHG Premier Card.
Associated: Why I’m completely happy to pay the annual charge on the IHG Premier Card
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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. Primarily based on this valuation, the bonus is price $875 alone.
Word, nevertheless, that you just gained’t be eligible for this card (or its bonus) should you at the moment have any IHG private bank card or have earned a welcome bonus on one other IHG private bank card throughout 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.
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Fundamental 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 steadily sufficient to justify that annual charge. Right here’s an outline of the cardboard’s foremost IHG-related perks:
Anniversary free night time: Cardholders obtain a reward night time certificates legitimate for a one-night lodge 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 troublesome to seek out an interesting redemption possibility in your certificates. For instance, I’ve redeemed anniversary free night time certificates for stays on the InterContinental Buenos Aires, InterContinental Madrid and Kimpton De Witt.
Word that you should utilize a vast variety of factors to prime off this certificates and use it for higher-priced properties. For instance, a room priced at 55,000 factors could be booked utilizing the free night time 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 several other different perks.
Fourth-night-free reward: While you redeem factors for a keep of 4 nights or longer, you’ll pay zero factors for each fourth night time. 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. In fact, the worth of this perk depends upon how steadily 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. Primarily based on TPG’s valuations, these bonus factors are price $50; mixed with the assertion credit score, this bonus could be price 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 should you can in any other case put these purchases on a strong on a regular basis spending card.
20% off when shopping for IHG factors: Save 20% in your buy of IHG factors if 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 of non-qualifying factors and won’t depend in the direction of elite qualification, so the worth will likely be minimal for many cardholders.
Moreover, IHG Premier cardholders get pleasure from the next basic perks when utilizing their card:
- Utility charge credit score for World Entry, TSA PreCheck or Nexus: You will get reimbursed as much as $100 each 4 years if you cost a World Entry, TSA PreCheck or Nexus utility charge to your card.
- Auto rental collision injury waiver: While you decline the rental firm’s collision insurance coverage and cost your entire rental value to your card, you’ll get protection in opposition to theft and collision. Nonetheless, protection is secondary when renting throughout the U.S.
- Baggage delay insurance coverage: You could be reimbursed as much as $100 a day for as much as three days for necessities if a typical provider delays your baggage for greater than six hours.
- Misplaced baggage reimbursement: You could be reimbursed as much as $3,000 per passenger in case your checked or carry-on baggage is broken or misplaced by a typical provider.
- Journey cancellation and journey interruption insurance coverage: You could be reimbursed as much as $5,000 per individual and as much as $10,000 per journey for pay as you go, nonrefundable journey bills in case your journey is canceled or reduce quick for a lined cause.
- Buy safety: Your new purchases are lined for 120 days in opposition to injury 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 buying and journey protections, these advantages may very well be a severe issue when selecting a brand new bank card. Nonetheless, as mentioned within the subsequent part, you gained’t get a excessive return charge on most purchases with the IHG Premier Card.
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Methods to earn factors
You’ll earn 10 factors per greenback spent at IHG accommodations and resorts. And, if you mix the ten factors per greenback spent earned through the use of 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 gasoline purchases, plus 3 factors per greenback spent on all different purchases. Primarily based 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
Methods 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 night time (excluding Six Senses and Mr and Mrs Smith properties, which do steadily value extra).
However, even with IHG’s dynamic award pricing, it’s nonetheless attainable to maximise IHG One Rewards redemptions. And, with just a little little bit of looking, 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 in your award stays. In some instances, this may occasionally present good worth. While you ebook 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 steadily sells factors at this worth (or cheaper), which could be one other approach to prime up your account.
It’s additionally price mentioning the IHG Premier’s fourth-night-free reward perk once more. While you ebook a reward night time of 4 nights or longer, each fourth night time of that keep will value zero factors. You should utilize this perk limitless occasions every year, however factors and money stays should not eligible.
Lastly, some vacationers consider IHG’s coverage on blackout dates makes it one of many weaker lodge packages for award night time availability. The phrases and circumstances of the IHG One Rewards program notice the next:
There are not any blackout dates for Reward Nights; nevertheless, room stock is restricted and topic to prior sale. As well as, Members might not be capable to redeem Factors for Reward Nights at InterContinental Residences, IHG Military Accommodations, choose Six Senses Accommodations Resorts and Spas and choose Mr & Mrs Smith accommodations.
So whereas there are not any blackout dates per se, accommodations can restrict the variety of rooms they make out there for award bookings.
Associated: Methods to redeem factors with the IHG One Rewards program
Competing playing cards
When you’re loyal to IHG, a card from one other lodge model won’t advantage 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 finest 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 accommodations and resorts, 3 factors per greenback at gasoline stations, utilities and eating places and a couple of factors per greenback on different purchases. Advantages embrace automated Silver standing with IHG One Rewards, a 20% low cost on IHG factors purchases and a fourth night time free on award stays.
The Chase Sapphire Most popular 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 by the Final Rewards Journey portal, 5 factors per greenback on Lyft rides by March 2025, 3 factors per greenback spent on eating, 3 factors per greenback spent on choose streaming companies, 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 gives as much as $50 in lodge spending credit per yr.
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When you’re a loyal IHG traveler trying to take advantage of IHG One Rewards, it is smart to have the IHG Rewards Premier Credit score Card. In spite of everything, the cardboard gives perks like automated 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 attainable to get loads of worth when redeeming IHG One Rewards factors.
When you’ve been on the fence about this card, receiving the very best welcome bonus this card has ever provided would possibly persuade you to use now.
Official utility hyperlink: IHG Rewards Premier Credit score Card.
Further Reporting by Ryan Wilcox, Christina Ly and Ryan Smith.