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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.
The IHG® Rewards Club Premier Credit Card comes with up to 80,000 IHG points after meeting minimum spending requirements. That’s _pretty_ great.
The card is great if you want to 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 4th award night free benefit, which I’ll talk about more in a bit.
Here’s our IHG credit card review!
Chase IHG Credit Card Review: Get a Week or More of Free Hotel Nights With the Bonus
Apply Here: IHG® Rewards Club Premier Credit Card
With the Chase IHG Premier, you can earn earn up to 80,000 bonus IHG points after spending $2,000 on purchases in the first three months of account opening.
The card has an $89 annual fee.
The IHG award chart prices hotel night at between 10,000 and 70,000 IHG points (depending on hotel quality). So 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.
So no matter what your travel style is, you can receive great value from this bonus.
But the Chase IHG Premier card bonus could get you even more travel. We like the IHG Rewards Club Premier credit card because of its 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 just 60,000 IHG points for 2 stays of 4 award nights each at the lowest-priced IHG hotels (10,000 points per night X 3 nights X 2 stays).
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 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!
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 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:
- avid Hotels
- Candlewood Suites
- Crowne Plaza
- EVEN Hotels
- Holiday Inn
- Holiday Inn Club Vacations
- Holiday Inn Express
- Holiday Inn Resorts
- Hotel Indigo
- InterContinental Hotels & Resorts
- Staybridge Suites
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 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.
IHG also has one of the better hotel rewards promotions out there – the IHG PointBreaks list. You can book PointBreaks hotels for between 5,000 and 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
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.
IHG Points Won’t Expire
Is the Chase IHG Premier Credit Card Worth the Annual Fee?
Is the IHG Rewards Club Premier card worth it? The card does have an $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?
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.
Also, Chase will NOT approve you for most of their credit cards (including the IHG Premier) if you’ve opened 5 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.
Chase Customer Service
And their customer satisfaction ratings are consistently high.
Alternative to the IHG Card: Consider Collecting Chase Ultimate Rewards Points
Earning Chase Ultimate Rewards points is another good option because IHG is a Chase transfer partner. Points transfer to IHG (and other travel partners) at a 1:1 ratio. So you’ll have even more flexibility when it comes time to book an award stay.
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 credit cards with no annual fee:
- Ink Business Cash℠ Credit Card
- Ink Business Unlimited℠ Credit Card
- Chase Freedom®
- Chase Freedom Unlimited®
But 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 combine Chase Ultimate Rewards points onto that card and transfer them to one of the Chase transfer partners.
With the Chase IHG Premier, you’ll earn up to 80,000 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!
You can apply here for the Chase IHG Premier credit card. And if you want to know more about the IHG Premier and IHG points, check out these guides:
- Is the IHG Rewards Club Premier card worth it?
- 6 reasons we like the IHG Rewards Club Premier Credit Card
- Our review of IHG status
- Find out about IHG points value
- Learn how to navigate the IHG award chart
- How to setup a IHG account
- See all the current IHG promotions
And for the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.