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IHG® Rewards Premier Credit Card

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  • Our Rating 4.5/5 Read the review
  • APR20.24% - 27.24% (Variable)
  • Annual Fee$99
  • 175,000 175,000IHG Rewards Points More Info

    Earn 175,000 bonus points after spending $3,000 on purchases within the first three months of account opening Dollar Equivalent: $875 (175,000 IHG Rewards Points * 0.005 base)

With an impressive welcome offer and an unbeatable rewards rate, the IHG Rewards Premier Credit Card comes with a mile-long list of benefits. It even comes with automatic Platinum Elite status, which is almost unheard of for a card with a $99 annual fee.

A Loyalty Card for One of the Most Popular Hotel Chains in the World

New IHG® Rewards Premier Credit Card cardholders can earn 175,000 IHG Rewards bonus points after spending $3,000 in the first three months from account opening.

IHG is one of the most popular hotel chains in the world, and rewards points with this card are redeemable for hotel stays at any IHG property including InterContinental, Crowne Plaza, Kimpton, EVEN Hotels, Indigo Hotels and Holiday Inn. The IHG Premier’s generous sign-up bonus can go a long way toward booking your next vacation.

4.5/5 Rating How our ratings work

Aside from its astounding sign-up bonus, the IHG Rewards Premier offers tons of value, especially for loyal IHG customers. You get a free Reward Night every year on your account anniversary for use at eligible IHG hotels. Plus, when you redeem points for consecutive four-night stays at any IHG hotel, you earn a Reward Night. Cardholders also enjoy Platinum Elite status as long as you remain a Premier card member. Plus, it offers a Global Entry, NEXUS or TSA Pre✓® fee credit of up to $100 every four years as reimbursement for the application fee charged to your card. IHG Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels and Holiday Inn®.

Pros

  • Generous rewards rate on IHG Hotels and Resorts purchases
  • Automatic IHG Rewards Platinum Elite status which gets you perks like upgrades
  • Free reward night every account anniversary, with the potential to be worth hundreds of dollars

Cons

  • Has an annual fee
  • Only makes sense if you plan to stay at IHG properties

IHG Rewards Premier Credit Card Bonus

IHG Rewards Premier Credit Card makes a splash with its biggest sign-up bonus ever for new cardmembers. You can earn 175,000 bonus points after spending $3,000 in the first three months from account opening.

Reward night redemptions range from as little as 10,000 points to over 70,000 points per night. The IHG Rewards Premier card’s sign-up bonus alone could net you at least 4-6 nights at many IHG properties worldwide.

IHG Rewards Premier Features

In addition to the generous sign-up bonus, the IHG Rewards Premier card offers a range of benefits that IHG loyalists will find helpful.

Free Night Each Year

Aside from its valuable sign-up bonus, the IHG Rewards Premier card offers tons of value, especially for loyal IHG customers. You get a free anniversary night certificate every year for use at eligible IHG hotels.

Free Reward Night for Four-Night Hotel Stays

When you redeem points for a consecutive four-night stay at any IHG hotel, enjoy a free reward night.

Complimentary Platinum Elite Status

The IHG card also comes with Platinum Elite Status, which gives you room upgrades, priority check-in, complimentary internet and much more. Plus you get a credit for up to $100 for Global Entry, NEXUS or TSA Pre✓® fees every four years.

Rewards Rate

IHG loyalists have the most to gain with this co-branded hotel credit card with the potential to earn up to 26x points per dollar spent at select IHG hotels and resorts. Here’s how:

  • 10x IHG points per dollar spent at IHG Hotels & Resorts using your IHG Rewards Premier card
  • Up to 10x IHG points just for being an IHG Rewards member
  • Up To 6x IHG points for being an IHG Platinum Elite member—a perk of the card

You can earn points with the IHG Rewards Premier Credit Card outside of IHG purchases too. You can earn:

  • 5x points per dollar spent on travel, dining or at gas stations
  • 3x points per dollar spent on all other purchases

Benefits

Having the IHG Rewards Premier card automatically upgrades you to Platinum Elite status as long as you keep your card open and your Rewards membership is in good standing.

Platinum Elite status earns cardholders several extra benefits, including:

  • Free anniversary night: Cardholders receive a free reward night certificate after each account anniversary year. The free reward night is good for use at select IHG® hotels and resorts, and you can redeem one for as little as 10,000 points. Your free anniversary night expires 12 months from the date it was issued.
  • Free night for four-night stays: When you redeem points to book a four-night consecutive stay with IHG, enjoy a free reward night.

Platinum Elite status also comes with enhanced resort services during stays at IHG properties. Some of the extra amenities you’ll receive include:

  • Free room upgrades
  • Guaranteed room availability
  • Late check-out
  • Priority check-in
  • Welcome gift
  • Customized stay preferences

Other Travel Benefits

Along with Platinum Elite status, being a IHG Rewards Premier Credit Card cardholder gives you access to other valuable travel perks that could come in handy. Depending on how often you travel, the most valuable perk could be the Global Entry, NEXUS or TSA Pre✓® credit fee attached to this card.

Cardholders are eligible for a $100 credit every four years as reimbursement for the Global Entry, NEXUS or TSA Pre✓® application fee. The credit card’s other travel perks include:

  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip cancellation/interruption insurance
  • Purchase protection

Fees

We already touched on the $99 annual fee, but there are other fees you may run into when using your IHG credit card.

Fee Yes/No

Annual Fee

Yes

Balance transfer fee

Yes

Foreign transaction fees

No

Late payment fees

Yes

Returned payment fees

Yes

Annual Fee

The Rewards Premier Credit Card has an $99 annual fee. Be sure you can take advantage of the many travel perks and maximize rewards earning each year to justify paying the annual fee.

Variable APR

With no introductory 0% APR offer, the IHG Rewards Premier Credit Card comes with a variable APR based on your creditworthiness. APRs fluctuate throughout the year as card issuers adjust rates to the market. The 20.24% - 27.24% (Variable) variable APR is comparable to other hotel co-branded credit cards.

Credit Score

Most credit card issuers don’t publicly disclose credit score requirements to qualify for specific cards. The IHG Rewards Premier Credit Card is designed for people with good to excellent credit scores.

It’s a good idea to familiarize yourself with your current credit scores before applying for a new credit card. There are three major credit bureaus in the U.S., and you can check and monitor your credit scores for free. Using a free service like Experian Boost™ can help increase your credit score.

Redeeming Your IHG Rewards Points

There’s a world of redemption options available through IHG Rewards, but the best value is using points for stays at IHG hotels and resorts. There are over 6,000 IHG properties worldwide with reward nights available for as little as 10,000 points. You can accelerate your rewards by booking stays using points and cash too.

You can also use your rewards points for a wide range of redemptions. Point values vary based on the redemption. Other redemption options include:

  • Online shopping
  • Gift cards
  • Entertainment digital downloads
  • Transfer to one of IHG’s partner airlines
  • Access to exclusive experiences and events
  • Magazine subscriptions
  • Transfer to another IHG Rewards member
  • Donate to an IHG partner charity

What Are IHG Points Worth?

While redemption value will vary depending on the property, our points and miles guide values IHG points at 0.5 cents per point.

IHG Rewards Points Expiration

Because the IHG Rewards Premier Card comes with Platinum Elite Status, your IHG points never expire and are always redeemable. Only members at Club status level can have points expire, but even then it’s avoidable by booking a stay or earning or redeeming points once every 12 months.

IHG Hotels and Resorts

The IHG brand is home to over 6,000 resorts worldwide. They have properties that fit most travel needs, whether you’re looking for economical accommodations for your family, a luxury retreat or long-term stays. Currently, 18 brands make up the IHG family:

  • Atwell Suites
  • Avid Hotels
  • Candlewood Suites
  • Crowne Plaza Hotels & Resorts
  • Even Hotels
  • Hualuxe Hotels & Resorts
  • Holiday Inn
  • Holiday Inn Club Vacations
  • Holiday Inn Express
  • Hotel Indigo
  • Iberostar Beachfront Resorts
  • Intercontinental Hotels & Resorts
  • Kimpton Hotels & Resorts
  • Regent Hotels & Resorts
  • Six Senses Hotels, Resorts & Spas
  • Staybridge Suites
  • Vignette Collection
  • Voco

With properties around the globe, IHG Rewards Premier cardholders can use their IHG Rewards points to stay almost anywhere in the world.

Here’s a look at how many IHG points you’ll need for reward night certificates at some popular IHG resorts.

Holiday Inn Club Vacations At Orange Lake Resort

Located minutes from Walt Disney World Theme Parks, Orange Lake Resort is a massive 1,450-acre property featuring one, two and three-bedroom villas. There’s plenty to do at the resort, with four golf courses, multiple restaurants, mini-golf, a kids’ center and a water park. A free night at Orange Lake Resort costs 40,000 points.

Holiday Inn St. Louis Downtown Convention Center

This Holiday Inn hotel is close to several popular St. Louis attractions including Gateway Arch and the Anheuser Busch Brewery. It’s located next to America’s Convention Center & Dome. A free night at Holiday Inn St. Louis Downtown Convention Center costs 17,000 points.

The InterContinental® Presidente Cozumel Resort Spa

This luxury Caribbean resort and spa features a beachside infinity pool, an unbelievable spa, high-end resorts and its own scuba diving center. A free night at The InterContinental® Presidente Cozumel Resort Spa costs around 40,000 points.

Holiday Inn Resort Aruba-Beach Resort & Casino

Located in Palm Beach, This IHG resort and casino features beachside pools, unlimited recreation options, a rejuvenating spa, a casino and its own shopping mall. A free night at Holiday Inn Resort Aruba-Beach Resort & Casino costs around 50,000 points.

Compare Card Features Is One Better Than the Other?

  • IHG® Rewards Premier Credit Card

  • IHG® Rewards Traveler Credit Card

Compare IHG Cards

The IHG Premier Card is not the only IHG co-branded credit card available from Chase. There is also the IHG® Rewards Traveler Credit Card. The main difference between these cards is that the Traveler card has no annual fee. The sign-up bonus is smaller with the Traveler card, but it’s still a considerable amount of points for a no-annual-fee card.

The Traveler card is also missing other valuable perks featured with the Premier card, including a free anniversary night, elevated hotel status and the Global Entry / NEXUS / TSA Pre✓® credit. You’ll earn less for IHG stays too, maxing out at 17x per dollar spent on resort stays.

If you’re a huge IHG fan, you could get both cards, but since they both earn in the same spending categories, it doesn’t make a ton of sense to go this route.

For a more in-depth comparison of the two IHG Rewards credit cards, check out our comparison guide.

IHG Rewards Premier vs. Chase Sapphire Preferred

There’s no doubting the value of the IHG Premier Card. But if you’re looking for flexible travel rewards, you may be better off with another popular Chase rewards card — the Chase Sapphire Preferred® Card.

The card comes with a generous sign-up bonus offer and access to Chase Ultimate Rewards, one of the most versatile credit card rewards programs. Ultimate Rewards points provide great value, especially when used to book travel within the Ultimate Rewards portal. Redeemable points can also be transferred to a host of third-party airline and hotel travel partner programs, including IHG Rewards.

 Chase 5/24 Rule

It’s worth noting that the IHG Rewards Premier Credit Card is subject to Chase’s unwritten 5/24 rule. While this is an unofficial rule, it’s one well known within the travel rewards community, and something to keep in mind anytime you apply for a new credit card.

Here’s how the Chase 5/24 rule eligibility works: If you’ve opened five or more new credit card accounts, with Chase or another card issuer, in the last 24 months, most likely you’ll be denied for any new Chase credit cards. Take stock of your current credit cards before applying for the IHG Rewards Premier Credit Card.

Is the IHG Rewards Premier Credit Card Right for You?

Rewards earning is accelerated for IHG purchases, with 26x points per dollar spent at IHG hotels. You’ll also earn 5x points for fuel, dining and travel purchases and 3x points for all other purchases.

The Rewards Premier Credit Card comes with Platinum Elite status, a free anniversary night every year and a free reward night for redeeming rewards to book a consecutive four-night IHG hotel stay.

It’s also great for international travel because there are no foreign transaction fees associated with this Chase credit card.

A Useful Travel Card

Ready to Apply for the IHG Rewards Premier card? Start here.

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KP

Kevin Payne

Kevin Payne is a personal finance, credit card, and travel writer. He is the family travel and budget expert behind FamilyMoneyAdventure.com. Kevin lives in Cleveland, Ohio, with his wife and four kids. His work has appeared on several websites, including FinanceBuzz, Credit Karma, Millennial Money, Club Thrifty, Student Loan Planner and Slickdeals.