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6 Reasons We Like the IHG Rewards Club Premier Credit Card

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6 Reasons We Like the IHG Rewards Club Premier Credit Card

Alex Curtis6 Reasons We Like the IHG Rewards Club Premier Credit CardMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

INSIDER SECRET:   You’ll almost certainly get a value worth much more than the annual fee with the anniversary free night from this card.  That’s why for many folks it’s a long-term keeper.

The IHG® Rewards Club Premier Credit Card comes with a fat sign-up bonus of 80,000 IHG points after meeting minimum spending requirements.  And it’s packed with benefits that make it well worth keeping in your wallet year after year.

This card offers a lot of useful perks for folks who like IHG hotels, including an annual anniversary night certificate.  But even if you don’t stay at IHG hotels frequently, you never know when you might end up in one, because you can find them just about everywhere!

Here are 6 reasons why we love the IHG Premier Rewards Credit Card and why it’s a great tool for your upcoming travel!

Redeem your IHG Rewards Premier Welcome Bonus at the InterContinental Hotel Hong Kong and hang out in one of the most exciting cities in Asia

Why We Like the IHG Rewards Club Premier Credit Card

Apply Here:  IHG® Rewards Club Premier Credit Card

Our Review of the IHG Rewards Club Premier

1.   Huge Sign-Up Bonus, Small Spending Requirement

The IHG Rewards Club Premier is currently offering a sign-up bonus of 80,000 bonus points after spending $2,000 on purchases in the first three months of account opening.

There’s an $89 annual fee.  But it’s definitely worth paying given the sign-up bonus!

You can use 80,000 IHG points for 3 nights at the Crowne Plaza Christchurch in New Zealand, which costs 25,000 IHG points per night.  Plus, when you have this card, you’ll get the 4th night free when you redeem points for a stay of 4+ nights!

With this bonus you could book 2 award nights at the beautiful InterContinental Hotel & Golf Resort in Fiji

2.   4th Award Night Free

Not only does this card come with lots of IHG points, but it also helps stretch those points even further.  With the IHG Rewards Club Premier, you’ll get your 4th award night free on any standard room award stay of 4+ nights.  This is a discount, not a rebate, so you won’t need to pay the IHG points up front and wait for a refund.  So a 4-night standard room award stay will cost the same as a 3-night stay.

With the 80,000-point welcome bonus, you can earn up to 10 free nights when used in conjunction with this perk.  Booking an award stay of 4 nights at a 10,000 point per night hotel would cost just 30,000 points.  This allows you to book another 4-night stay for another 30,000 points on another occasion.  And still have 20,000 points left over!

3.   Anniversary Free Night

Every year you renew the card, you will get a free night certificate.  You can redeem it for a night any IHG hotel that costs 40,000 IHG points or less.  You have a full year to use it once it’s issued, and you get another one each year you renew your card.

While this excludes some of the highest-end IHG hotels, most IHG hotels are covered within this limit.

The value of this perk, especially at hotels that cost more points, is usually worth far more than the annual fee.  Just this one perk alone can justify you keeping this card every year!

4.   Platinum Elite status

The IHG Rewards Club Premier card earns you automatic Platinum Elite status with IHG just for keeping the card open.  Having status can make your hotel stays more comfortable and earn you bonus points!

Platinum Elite Status includes:

  • Complimentary room upgrades (when available)
  • Extended check-out
  • Priority check-in
  • Complimentary internet
  • Welcome amenity
  • 50% bonus point earnings on top of base points
  • Your IHG points never expire
  • … and more

Getting a nice upgrade to a better room is a sweet deal.  I personally appreciate having access to late check-out.

5.   Global Entry or TSA PreCheck Application Reimbursement

There are many other cards out there that offer Global Entry or TSA PreCheck reimbursement, but most of those cards have high annual fees of $400+.  For a card with an $89 annual fee, it’s nice to get this perk, which is worth $100 if you are applying for Global Entry.  If you applied for this card and used this reimbursement on Global Entry, you would actually save $11 your first year compared to paying for Global Entry out of pocket ($100 Global Entry cost – $89 annual fee).

Fly Through Customs and Security Lines at Airports With Global Entry. The $100 Application Fee is Reimbursed With The Chase IHG Premier Card.
Fly through customs and security lines at airports with Global Entry. The $100 application fee is reimbursed with the Chase IHG Premier Card

You will only get this reimbursement once every 4 years.  But your Global Entry or TSA PreCheck is good for 5 years, so it means you will be able to renew with this reimbursement again before it expires.

6.   IHG Points Earning Potential

If you stay at IHG hotels often, the IHG Rewards Club Premier card will allow you to earn IHG points extremely quickly.

The bonus point categories include:

  • 10 IHG points per $1 spent at IHG hotels
  • 2 IHG points per $1 spent at gas stations, grocery stores, and restaurants
  • 1 IHG point per $1 spent on everything else

The real kicker here is the 10 IHG points per $1 spent at IHG hotels.  These are points on top of the base points you earn and the 50% bonus points you get for being a Platinum Elite member.

Imagine an affordable $130 per night Holiday Inn Express.  This normally would earn you 1,300 IHG points (base points).  But if you use the IHG Rewards Club Premier card to book your stay, you would earn an additional 1,300 IHG points ($130 x 10 points per $1) for using your card, and another additional 650 bonus points (1,300 base points X 50% bonus) for being a Platinum Elite member.

This means your 1,300 IHG point earnings turns into 3,250 IHG points (1,300 base points + 1,300 card bonus + 650 elite status bonus).  That is 2.5X more points!

Also, if you ever need to top up on points, you get 20% off points purchased with the Chase IHG Rewards Premier.

Bottom Line

With a welcome bonus of 80,000 IHG points after meeting spending requirements and an annual fee of just $89, there is a lot to love about the Chase IHG Premier.  But that’s not the only reason we like the card!  There are plenty of other benefits, including the super valuable free anniversary night each cardholder anniversary at hotels costing 40,000 IHG points or less.

Benefits like this for a relatively cheap $89 annual fee make the Chase IHG Premier a keeper!

Want to learn more about getting free travel with IHG points?  Check out these posts:

And for the latest tips and tricks on traveling big without spending a fortune,please subscribe to the Million Mile Secrets daily email newsletter.

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
  • Earn 25 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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So if I get this new IHG card, and book a 4-night stay with points, then I would actually have to pay only for two nights, correct?

Because one night would be covered as a free anniversary night, and the second one would be under “4th night free” benefit.

Hi Dimitry, I’m not 100% sure but I don’t think that would work. The fine print from Chase states that the “Fourth Award Night Free” benefit applies to “Reward Night Stays” of 4 or more nights. So I don’t think that the “Anniversary Free Night” certificate would count as a Reward night stay.

I have the old rewards card for $49 year and I got a free night after my first year. Plus as a platinum member you get 500 points as a welcome gift on each stay. Add that to the total above.

I have had this card for years- why dont I get an annual free night? Hyatt. Hilton and Best Western do.

I get nothing from IHG

Thanks for info! Any foreign transaction fees with this card?

This card has no foreign transaction fees on international purchases 🙂

Dana @ MyPointsBlog.com

To boot, this card pairs well with the IHG card that preceded it. If you possess that card, there’s nothing stopping you from applying for the current one (card is still not 5/24, etc). This would give you two annual free night certificates.

Wait, what!? Didn’t IHG END the unrestricted annual free night certificate program ??? (ok, they walked it back to extend it for another year) But geeeez, this post is really pathetic…. anything but worthy of the site founded by Daraius….

All pump, no candor, not a whisper about all the severe problems and devaluations that have slammed IHG, ever since IHG swallowed Kimpton (and the net effect of the merger was to gut what was left of the rewards program)

ah….. never mind, the original post did indeed just skip to the “free night” for the bottom tier hotels…. (No mention of the previous variation — that’s “history.”) I’m still living in a Daraius/Drew world; travel is no longer “free.”

I get it. You have credit cards to sell. No candor needed.

Is complaining fun?