There are many journey rewards playing cards vying in your consideration, however one among my favourite playing cards is the IHG® Rewards Premier Credit score Card.
The IHG Rewards Premier card gives a compelling sign-up bonus to draw new cardholders. The cardboard can also be an excellent choice to maintain long-term as a consequence of its many perks that may simply offset its modest $99 annual price. Here is why I really like the IHG Rewards Premier card and plan to maintain it in my pockets for the foreseeable future.
The IHG Rewards Premier Credit score Card is at the moment providing its best-ever sign-up bonus of 175,000 bonus factors after spending $3,000 within the first three months of account opening. Based mostly on TPG’s valuations, 175,000 IHG factors are price about $875.
IHG One Rewards makes use of dynamic award pricing, so the variety of award nights you may get from 175,000 factors will rely solely on when and the place you need to redeem your factors.
Notice that the IHG Rewards Premier card and its sign-up bonus aren’t obtainable in case you are a:
- Present cardmember of any private IHG Rewards Credit score Card.
- Earlier cardmember of any private IHG Rewards Credit score Card, and also you acquired a brand new cardmember bonus for a private IHG Rewards Credit score Card inside the final 24 months.
Chase’s 5/24 rule may additionally stop you from being accredited for a brand new Chase card. Take a look at our publish on calculating your 5/24 standing for extra info.
Associated: Is the IHG Rewards Premier card well worth the annual price?
Anniversary night time
Even for those who do not spend many nights in motels or want a distinct resort loyalty program, the IHG Rewards Premier Credit score Card can nonetheless be price its $99 annual price annually. In spite of everything, most cardholders can get greater than $99 of worth annually from one profit: the anniversary night time you obtain after every account anniversary.
You should utilize the anniversary night time for an evening with a redemption price of 40,000 factors or much less. However you too can add-on factors out of your IHG Rewards account to redeem for an evening costing greater than 40,000 factors. You need to redeem your night time and full your keep inside 12 months of the free night time’s subject date.
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I’ve gotten good worth from my anniversary nights through the years. For instance, I am scripting this story throughout a keep on the Kimpton De Witt in Amsterdam that I booked utilizing a number of anniversary free nights. The award price on my nights was 40,000 factors, whereas the paid price would have been about $281 per night time. Even ignoring the paid price, I used to be glad to commerce a number of anniversary nights to remain at this Kimpton close to Amsterdam Centraal.
However you too can get sufficient worth out of your anniversary night time to justify the cardboard’s annual price nearer to house. Though discovering nights costing lower than $99 in lots of U.S. cities is changing into much less frequent, you may nonetheless typically discover IHG award nights for 40,000 factors or much less.
There are a lot of other ways to make use of the anniversary night time. However so long as you are getting greater than $99 of worth out of your anniversary night time annually, protecting the IHG Rewards Premier card long-term seemingly is smart — particularly when you contemplate the cardboard’s different precious perks.
Associated: The 19 greatest IHG motels on this planet
Fourth-night reward perk
My favourite perk of the IHG Rewards Premier Credit score Card is the “redeem three nights, get fourth reward night time free” profit. Briefly, this perk helps you to pay zero factors for each fourth night time if you redeem IHG factors for a keep of 4 nights or longer.
Let us take a look at an instance. For this keep on the InterContinental Phuket Resort in Thailand, I might pay a mean of 27,250 factors per night time (as an alternative of 37,750 factors per night time) because of the fourth-night reward perk.
This perk additionally works for longer stays. For instance, this is an eight-night keep the place two nights would value zero factors after the fourth-night reward perk. (Notice that the primary and fourth strains within the screenshot under pool two nights collectively as they’re all priced at 11,000 factors every.)
You should utilize this profit an infinite variety of instances and for longer stays. For instance, you may obtain the fourth, eighth and twelfth nights free on a 12-night keep. And it’ll all the time be these nights which might be free, no matter whether or not these nights are the most affordable or costliest of the entire keep.
For instance, on a four-night keep the place the nights are priced at 10,000 for every of the primary three nights and 12,000 on the fourth night time, that fourth night time can be free regardless that it is priced the very best.
Most vacationers will solely use this perk a couple of instances a yr, however I’ve benefited from over 35 fourth-night rewards previously six years. Should you ceaselessly redeem IHG factors for stays of 4 nights or longer, this card profit will seemingly prevent a big quantity of factors.
Associated: What’s IHG One Rewards elite standing price?
Different precious advantages
The IHG Rewards Premier card consists of a number of different precious perks. For instance, the cardboard earns 10 factors per greenback spent at IHG motels and resorts, a return of 5% based mostly on TPG’s valuations. The IHG Rewards Premier card additionally earns 5 factors per greenback spent on purchases at gasoline stations, on different journey and at eating places and three factors per greenback spent on all different purchases.
Plus, the IHG Rewards Premier card gives the next advantages:
- Automated IHG One Rewards Platinum Elite standing for so long as you retain your IHG Rewards Premier card.
- Earn IHG One Rewards Diamond Elite standing by means of the top of the next calendar yr throughout any calendar yr you make purchases totaling $40,000 or extra together with your IHG Rewards Premier card.
- Save 20% on factors purchases if you pay together with your IHG Rewards Premier card. You may’t mix this low cost with every other factors buy gives, although. So, you may sometimes do higher ready for an IHG purchase factors promotion as an alternative of saving 20% by means of this perk.
- No international transaction charges.
- Get a International Entry, TSA PreCheck or Nexus credit score of as much as $100 each 4 years as reimbursement for an utility price charged to your card.
- Earn a $100 assertion credit score and 10,000 bonus factors any calendar yr you spend not less than $20,000 in purchases.
- Get a $25 United TravelBank money deposit in your United MileagePlus account twice a yr (on or round Jan. 1 and July 1) when you full a one-time registration for this perk.
Platinum Elite standing will get you some helpful perks if you keep at IHG motels, together with extra bonus factors on paid stays and complimentary upgrades (topic to availability and on the resort’s discretion).
Associated: One of the best resort bank cards with annual charges beneath $100
The IHG® Rewards Premier Credit score Card is at the moment providing its best-ever sign-up bonus of 175,000 bonus factors after spending $3,000 within the first three months of account opening. Based mostly on TPG’s valuations, these bonus factors are price $875.
And after getting the IHG Rewards Premier card, two card advantages — the anniversary night time certificates and the fourth-night-reward perk — ought to present considerably extra worth than the $99 annual price annually. As such, I imagine the IHG Rewards Premier card is a precious card to get after which maintain yr after yr.
Take a look at our full IHG Rewards Premier Credit score Card evaluation for extra particulars.
Official utility hyperlink: IHG® Rewards Premier Credit score Card