A 100,000-Point Bonus and a Slew of Useful Perks! It’s Time to Consider the Chase IHG Premier Credit Card

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A 100,000-Point Bonus and a Slew of Useful Perks! It’s Time to Consider the Chase IHG Premier Credit Card

JasonA 100,000-Point Bonus and a Slew of Useful Perks! It’s Time to Consider the Chase IHG Premier Credit CardMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

The IHG® Rewards Club Premier Credit Card is a hotel credit card that’s great for folks looking to save on accommodations.  It currently comes with a 100,000 IHG point bonus after spending $3,000 on purchases within the first 3 months of account opening.

This is a perfect card to get if you want cover an entire week’s worth of hotel stays (or more) with points, because the lowest priced IHG hotels cost only 10,000 IHG points per night!  And you can get even more free nights with this card’s 4th award night free benefit, which I’ll talk about more in a bit!

You can apply for the Chase IHG® Rewards Club Premier Credit Card here.

The information for the IHG® Rewards Club Traveler Credit Card has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

With the Sign-Up Bonus From the IHG Premier Credit Card, You Could Spend 8+ Nights at the Lowest Priced IHG Hotels in Lots of World Class Cities, Like Beijing!

Let’s take a deeper look at the Chase IHG Premier card’s perks so you can decide if it’s the best travel rewards card for your situation.

Get a Week or More of Free Hotel Nights With the Chase IHG Premier Card’s Bonus!

Link:   Chase IHG Premier Credit Card

With the Chase IHG Premier card you can earn an 100,000 IHG point bonus after spending $3,000 on purchases within the first 3 months of account opening.  And you can also earn an extra 5,000 IHG points after adding an authorized user and making your first purchase within the same time frame.

The card has an $89 annual fee, NOT waived the first year.

IHG award nights start at 10,000 IHG points for a free night at the lowest category hotels and up to 70,000 IHG points for a top-tier hotel.  So you could use the sign-up bonus to splurge on a free night at the Intercontinental Bora Bora Resort Thalasso Spa, which can easily cost $1,000+ per night!  Or you can get 8 free nights in France at the Holiday Inn Lyon-Vaise, which can cost $100+ a night during peak season.

So no matter what your travel style is, you can receive great value from this bonus.

Stay at the $1,000+ a Night Intercontinental Bora Bora Resort Thalasso Spa for Free With the Bonus From the Chase IHG Premier Card!

But the Chase IHG Premier card‘s bonus could get you even more Big Travel because of the card’s lucrative perks.  For example, for every standard room award stay of 4+ nights, you’ll get the 4th award night free!  This is a discount, not a rebate, so you won’t need to pay any IHG points up front for the 4th night.  And you can use this perk on an unlimited number of stays!

That means you could use 100,000 IHG points for 3 stays of 4 award nights each at the lowest priced IHG hotels.  And you’d still have 10,000 IHG points left over, which you could use for another free night.  That’s 13 free nights with just the sign-up bonus!

Note:   The 4th award night free benefit does NOT apply to paid stays or Points & Cash bookings.

How to Earn IHG Points With the Chase IHG Premier Credit Card

If you frequently stay at IHG hotels, the Chase IHG Premier credit card is your best option for earning IHG points.  You’ll earn:

  • 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 on everything else

The card also comes with automatic IHG Platinum Elite status.  This will get you late checkout when available, complimentary upgrades (subject to availability), a welcome amenity, and much more, including a 50% bonus on the base points you earn!

IHG Platinum Elite Status Comes With a 50% Bonus on Your Base Points & Access to Complimentary Upgrades, When Available, Like This Larger Deluxe Room I Was Upgraded to at the Intercontinental Hong Kong

IHG Rewards Club members earn 10 IHG points per $1 spent at most IHG hotels.  So with the Platinum Elite bonus you could earn 15 IHG points per $1 (10 IHG points + 50% Bonus) in addition to the 10 IHG points per $1 you could earn for paying with your Chase IHG Premier card!

So with these IHG credit card benefits, you’ll be earning a whopping 25 IHG points per $1 spent at IHG hotels (10 IHG points per $1 with the card + up to 15 IHG points per $1 as a Platinum Elite)!

In addition, you’ll also be able to earn 10,000 bonus IHG points after you spend $20,000 during the account anniversary year and make 1 additional purchase at least 1 day after you spend $20,000.  And you’ll also receive a 20% discount when you purchase points with the card!  But even with the discount you’ll still be better off buying IHG points using the IHG Points & Cash trick to only pay 0.6 cents per point, unless IHG is having a points sale.

Note:  Reader Richard commented that he did not receive the 20% discount on IHG points he bought during an IHG points sale promotion.  Although the terms and conditions do not specifically restrict the 20% discount to “full-priced” points, that seems to be the case for other folks as well.

So it looks like you can NOT combine the 20% discount on purchased points with other IHG points discounts.

How to Use Your IHG Points

There are 5,200+ IHG locations around the world.  So there’s a good chance that there is an IHG hotel where you want to travel to next.

You can use your IHG points to book free nights at these hotels:

You can book any available award night through the IHG website.  IHG advertises that there are no blackout dates on award nights, but in my personal experience this isn’t always the case.  You can book award nights for 10,000 to 70,000 IHG points.

You can also stretch your IHG points by booking Points & Cash nights.  But if you want to go this route, be sure to compare the cash price of the hotel to the Points & Cash rate to make sure you’re getting a good deal for your points.

Points & Cash Rates Can Give You Flexibility in How You Redeem Your IHG Points, but They Aren’t Always the Best Deal

IHG also has one of the better hotel rewards deals out there – the IHG PointBreaks promotion.   You can book PointBreaks hotels for 5,000 to 15,000 IHG points per night, which is a significant discount.  Even though the IHG PointBreaks promotion isn’t what is used to be when all of the hotels on the list were only 5,000 IHG points per night, it is still a great way to increase the value of your IHG points.

You can also use your IHG points for a variety of other rewards, like gift cards, digital downloads, or you can convert them into airline miles.  But the value you can get from these other options is NOT good compared to booking a free night.

Additional Benefits of the Chase IHG Premier Credit Card

In addition to the sign-up bonus, 4th award night free, and other perks we’ve already discussed, the Chase IHG Premier card has other benefits that make it a great hotel credit card.

Anniversary Free Night

Every year that you renew the card you’ll get a free night certificate.  The certificate is valid for any IHG hotel that costs 40,000 IHG points or less.  The free night certificate expires 12 months after it is issued.

Global Entry or TSA PreCheck Application Fee Reimbursement

Once every 4 years you can get a statement credit for your Global Entry ($100) or TSA PreCheck ($85) application fee.  To qualify for the credit you must pay the application fee with your Chase IHG Premier card.

Is the Chase IHG Premier Credit Card Worth the Annual Fee?

The card has a $89 annual fee.  But the annual free night certificate at any IHG Hotel that costs 40,000 points or less, can make up for the annual fee by itself.  Just be sure to use it on a hotel that costs more than $89 per night.

Does the Chase IHG Premier Card Have a Foreign Transaction Fee?

No.

Who Is Eligible for the Chase IHG Premier Card?

You are not eligible for this card if you currently have it or you have earned the bonus on it in the past 24 months.  But if you have the old Chase IHG Rewards Club Select card (no longer open to new applicants), you can still qualify for the Chase IHG Premier card because it is considered a different product.

Also, Chase will NOT approve you for most their credit cards if you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and these other business cards).  This is often referred to as the “5/24” rule.

But there are some exceptions to this rule.  And folks have reported being approved for the Chase IHG Premier card even though they were over the Chase “5/24” rule at the time they applied!

Keep in mind that just because you are under the “5/24” limit, it doesn’t guarantee you will be approved for the card.  Chase will look at other factors too, like your credit score and income.

Chase Customer Service

The IHG® Rewards Club Premier Credit Card is issued by Chase.  This is nice because I’ve found Chase to be the one of the easiest banks to deal with when it comes to sending a secure message.

And their customer satisfaction ratings are consistently high.

Looking for a Chase IHG Premier Card Alternative?

Not sure if the Chase IHG Premier card is the right travel rewards card for you?

You might consider the Chase IHG® Rewards Club Traveler Credit Card, which has similar benefits and only a $29 annual fee!  The card comes with a 60,000 IHG point bonus after spending $2,000 on purchases in the first 3 months of account opening.  You can earn an additional 5,000 IHG points if you add an authorized user and make your first purchase within the same time frame.

And you’ll also get these other perks:

  • 5 IHG points per $1 at IHG Hotels
  • 2 IHG points per $1 at gas stations, grocery stores, and restaurants
  • 1 IHG point per $1 on everything else
  • 4th award night free for award stays of 4+ nights
  • Gold Elite Status when you spend $10,000 on purchases each calendar year
  • 20% off when purchasing points
  • No foreign transaction fees

Note:   This card does NOT come with an annual free night.

Or Consider Collecting Chase Ultimate Rewards Points

Earning Chase Ultimate Rewards points is another good option because they transfer at a 1:1 ratio to IHG and 12 other travel partners!  So you’ll have even more flexibility in booking Big Travel with Small Money.

You can earn transferable Chase Ultimate Rewards points with these annual-fee Chase credit cards:

You can also earn Chase Ultimate Rewards points with these no-annual-fee credit cards:

But in order to be able to transfer the Chase Ultimate Rewards points you earn with these cards, you’ll need to have one of the annual-fee Chase Ultimate Rewards cards.  Then you can pool your points onto that card and transfer them to one of the Chase Ultimate Rewards travel partners.

Bottom Line

The Chase IHG Premier card is a great card for folks looking to save on their hotel stays.  Once you’re approved for the card, you can earn 100,000 IHG points after spending $3,000 on purchases within the first 3 months of account opening.

That’s enough points for a free night at an expensive $1,000+ per night resort.  Or you could use those points to cover your hotel stay for a week or more of vacation!

The card has an $89 annual fee.  But with perks like the Global Entry or TSA PreCheck application fee reimbursement, 4th award night free benefit, and the annual free night certificate, it’s worth keeping year after year.

Apply here for the Chase IHG Premier credit card.

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IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

  • Earn 100,000 bonus points after spending $3,000 on purchases within the first three months of account opening
  • Earn 5,000 bonus points after you add your first authorized user and make your first purchase in the first three months from 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 10 points 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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If I have opened 4 chase cards that are affected by the 5/24 rule in the past 24 months will applying for the IHG Rewards Club Preimer Card count as my 5th card toward the 5/24 rule? I’ve read that all the IHG cards are not affected by the 5/24 rule. Given this scenario, will I be approved for this card?

Hi Dane – Opening the Chase IHG will count toward your 5/24 limit. However, if you’re over the 5/24 limit, it’s still possible you can get approved for this card. Keep in mind, the Chase 5/24 count includes cards opened with other issuers too, not just Chase. Hope this helps!

Any idea how long this promotion will last/whether it has an expiration date??? Thanks!

Chase says it’s valid until oct 4th

I stayed at the Holiday Inn City Centre in Nuremburg, Germany. This was an amazing hotel in a great location!! The best part of this stay (24-25 July, 2018) was the amazing customer service and breakfast. This may be a 4 star hotel, but it features a delectable, 10 star breakfast spread!!!

i have traveled all over the world, but have not yet made it to Portugal. when i go, i would really like to stay at the

InterContinental Porto – Palacio das Cardosas because i have heard its beyond fantastic!

my favorite hotel is INTERCONTINENTAL HOTEL BANGKOK 973 PHLOEN CHIT RD. BANGKOK THAILAND………Stunning place

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