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Earn More Than One Week of Free Hotels With the Chase IHG Premier Credit Card (One of the Best in the Business)

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Earn More Than One Week of Free Hotels With the Chase IHG Premier Credit Card (One of the Best in the Business)

Jason StaufferEarn More Than One Week of Free Hotels With the Chase IHG Premier Credit Card (One of the Best in the Business)Million Mile Secrets Team

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INSIDER SECRET: Don’t just get the card for the (definitely awesome) welcome bonus. It’s the ongoing perks that will save you money and points, and make the card a long-term keeper.

We’ve never seen a bonus like this on the IHG® Rewards Club Premier Credit Card. Right now, it comes with 125,000 IHG points after meeting minimum spending requirements. That’s the highest offer ever for this IHG credit card.

The Chase IHG Premier is great if you want cover nearly a 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 fourth award night free benefit, which we’ll talk about more in a bit.

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

Let’s review the Chase IHG credit card perks so you can decide if it’s the best travel credit card for your situation.

IHG credit card review: With the sign-up bonus from the Chase IHG Premier credit card, you could spend eight nights at the lowest-priced IHG hotels in lots of world-class cities, like Beijing. (Photo courtesy of anek.soowannaphoom/Shutterstock)

Chase IHG Credit Card Bonus

Apply Here: IHG® Rewards Club Premier Credit Card

With the best-ever welcome bonus on the Chase IHG Premier, you can earn 125,000 bonus IHG points after spending $3,000 within the first three months of account opening. The card has an $89 annual fee that isn’t waived the first year. It’s well worth it, because this is an unprecedented offer.

IHG award nights start at 10,000 IHG points for a free night at the lowest category hotels and up to 100,000 IHG points for a top-tier property. You could use the sign-up bonus to splurge on a free night (with plenty of points left over) at the InterContinental Bora Bora Resort Thalasso Spa, which can easily cost $1,000+ per night, or you can get multiple free nights in France at the Holiday Inn Lyon-Vaise, which can cost $100+ a night during peak season. No matter what your travel style is, you can receive great value from this bonus.

The Chase IHG Premier card‘s bonus could get you even more travel if you’re strategic, because card holders receive lucrative perks. For example, for every standard room award stay of four or more nights, you’ll get the fourth award night free. This is a discount, not a rebate, so you won’t need to pay any IHG points up front for the fourth night, and you can use this perk on an unlimited number of stays.

Stay at the $1,000+ a night InterContinental Bora Bora Resort Thalasso Spa for free with the bonus from the Chase IHG Premier Card. (Photo by William Cushman/Shutterstock)

That means you could use 125,000 IHG points for four stays of four award nights each at the lowest-priced IHG hotels (10,000 points per night x 3 nights x 4 stays).

Note: The fourth award night free benefit does not apply to paid stays or Points & Cash bookings.

Benefits and Perks of the Chase IHG Premier Credit Card

In addition to the sign-up bonus, fourth award night free, and other perks, 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

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).  To qualify for the credit you must pay the application fee with your Chase IHG Premier card.

IHG Points Won’t Expire

Because the Chase IHG Premier comes with automatic Platinum status, your IHG points won’t expire for as long as you hold the card.

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.

IHG Points Earning Potential

You’ll be able to earn 40x IHG points on IHG stays (then 25x IHG points after that) and 4x IHG points on all other purchases (then 2X on gas stations, grocery stores and restaurants and 1x on everything else). Here’s how those points break down per $1 spent:

  • 10 base points for being an IHG member
  • 5 bonus points for having IHG Platinum status (50% bonus on base points), which comes with the card
  • 25X IHG points for the first 12 months at IHG Hotels & Resorts, then 10X after that

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

For most folks, the free night certificate alone is worth the annual fee of the card.  Most of these hotel stays are worth more than the $89 annual fee, making it an easy choice to keep paying the annual fee and taking all the other card benefits as the cherry on top.

Don’t let the 40,000 IHG point limit bother you, because there are plenty of great IHG hotels that are within this limit.  I stayed at the InterContinental Hotel Saigon, which is a 5-star hotel in downtown Ho Chi Minh City, Vietnam for free with an annual free night certificate (it costs 35,000 IHG points per night).

Also, just for keeping this card open you will earn automatic Platinum IHG Status.  There is no minimum spending to achieve this perk.

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 of their credit cards (including the IHG Premier) if you’ve opened five or more credit card accounts (from any bank) in the past 24 months (not counting Chase business cards and certain other business cards). This is often referred to as the Chase 5/24 rule.

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.

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:

  • Earn 40 IHG points total per dollar spent when you stay at an IHG hotel for the first 12 months of account opening, and 25 IHG points total per dollar spent at IHG hotels thereafter
  • Earn 4 IHG points per dollar on all other purchases for the first 12 months of account opening – after that, 2 IHG points per dollar spent at gas stations, grocery stores, and restaurants and 1 IHG point per dollar on all other purchases

Here’s how that 40 IHG points per dollar spent at IHG hotels shakes out. Within the first 12 months of account opening, you’ll earn:

  • 25 IHG points per dollar spent at IHG hotels for being a Chase IHG Premier cardholder
  • 10 IHG points per dollar spent at IHG hotels for being an IHG rewards member
  • 5 IHG points per dollar spent at IHG hotels for having Platinum Elite status (that’s automatic with the Chase IHG Premier card)

That’s a total of 40 IHG points per dollar spent at IHG hotels for having the Chase IHG Premier card.

After your account has been open for 12 months, you’ll earn:

  • 10 IHG points dollar spent at IHG hotels for being a Chase IHG Premier cardholder
  • 10 IHG points per dollar spent at IHG hotels for being an IHG rewards member
  • 5 IHG points per dollar spent at IHG hotels for having Platinum Elite IHG status

This means you’ll earn a total of 25 points per dollar spent at IHG hotels.

IHG Platinum elite status comes with a 50% bonus on your base points and access to complimentary upgrades, when available, like this larger deluxe room at the InterContinental Hong Kong. (Photo by Jason Stauffer/Million Mile Secrets)

The card also comes with automatic IHG Platinum Elite status. This IHG status 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.

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 and Cash trick to only pay 0.6 cents per point, unless IHG is having a points sale.

Note: You can’t stack the 20% discount on purchased points with other IHG points discounts.

How to Use Your IHG Points

Read our post on how to use IHG points

There are 5,200+ IHG hotels 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.

This year IHG announced it had plans to introduce variable pricing for award nights and since then the most expensive award nights have gone up to 100,000 points per night. However, right now only a few hotels are actually charging that much. Almost all locations cost 10,000-70,000 points.

You can also stretch your IHG points value 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 promotions out there – the IHG PointBreaks list. You can book PointBreaks hotels for 5,000-15,000 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.

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

No.

Chase Customer Service

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

And their customer satisfaction ratings are consistently high.

Cards Similar to the IHG Premier Card

Read our review of the Hilton Honors American Express Surpass® Card

Read our review of the Chase Marriott Bonvoy Boundless

Read our review of the World of Hyatt Credit Card

The Hilton Surpass card is currently offering an increased welcome bonus of 130,000 Hilton Honors points plus a weekend night certificate after you spend $4,000 on purchases within the first four months of account opening.  You also receive automatic Gold Hilton status just for keeping this card open.

The Marriott Bonvoy Boundless Credit Card comes with 75,000 Marriott points after spending $3,000 on purchases in the first three months from account opening.   Just like the IHG Premier, you’ll receive a Free night award (at participating hotels costing 35,000 Marriott points or less) every year after your account anniversary. You’ll also receive automatic Silver Marriott Bonvoy Elite Status and could earn Gold Elite Status when you spend $35,000 on purchases each account year.

Finally, with the World of Hyatt Credit Card you could earn up to 50,000 bonus Hyatt points after meeting tiered minimum spending requirements.

  • 25,000 bonus Hyatt points after you spend $3,000 on purchases in the first 3 months of opening your account
  • Another 25,000 bonus Hyatt points after you spend an additional $3,000 on purchases within the first 6 months of opening your account

You’ll also get a free night at a Hyatt Category 1 to 4 hotel each year and automatic Hyatt Discoverist Status.

Bottom Line

The increased offer on the Chase IHG Premier card is the highest it’s ever been. Once you’re approved for the card, you can earn 125,000 IHG points after meeting minimum spending requirements.

That’s more than 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, fourth 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.

Want to know more about the IHG Premier and IHG points? Check out these guides:

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 125,000 bonus points after spending $3,000 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 40 points total per $1 spent when you stay at an IHG hotel for the first 12 months - after that, 25X points.
  • Earn 4X points on all other purchases for the first 12 months – after that, 2X points at gas stations, grocery stores, and restaurants and 1 point per $1 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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There’s an unaffiliated link that additionally offers a $50 statement credit.

Can I apply from Canada? I am Canadian

Hi Jeanette!

Do you have a credit score here in the US? If you do I would venture a guess and say you have a chance. Without a credit score it would be difficult, at best, to be approved for the credit card.

Can I still keep my old Chase IHG card with the better anniversary option if I open this card? Chase has offered to upgrade my old IHG card but I do not want to lose its benefits. Thanks.

Hi Philip,

Yes, you can! Here’s one of our news articles covering this question:

https://millionmilesecrets.com/news/eligible-for-ihg-premier-bonus-with-chase-ihg-card/

100k offer +50 statement credit + 5k authorized user is back 🙂

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!

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