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If you stay at IHG properties even just a few times a year, the IHG One Rewards Premier Card is a great way to save money on your hotel stays and enjoy extra benefits. The annual free night alone can easily be worth much more than the annual fee, and perks like up to $50 in United TravelBank Cash and valuable annual spending incentives make the card even more compelling. The IHG One Rewards Premier Credit Card offers tremendous value, making it one of the best credit cards for hotel stays.
It doesn't take much to get your money's worth out of the card if you stay at IHG properties even a few times a year. It's currently offering a welcome bonus of 5 free nights, each valued at up to 60,000 points, after spending $4,000 in the first three months from account opening. Earn up to 26 total points per $1 spent when you stay at an IHG Hotel & Resorts.
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases. $99 N/A 21.
49% - 28.49% Variable Earn 5 free nights valued at up to 300,000 points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Anniversary reward night can be worth more than the annual fee con icon Two crossed lines that form an 'X'. Could offer better rewards on non-IHG purchases If you stay at IHG properties even just a few times a year, the IHG One Rewards Premier Credit Card is a great way to save money on your hotel stays and enjoy extra benefits. The annual free night alone can easily be worth much more than the annual fee, and perks like up to $50 in United TravelBank Cash and valuable annual spending incentives make the card even more compelling.
Our Best Offer Ever! Earn 5 Free Nights Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay. Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
Earn 3 points per $1 spent on all other purchases Automatic Platinum Elite status as long as you remain a Premier cardmember Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn® Member FDIC IHG Premier Credit Card Overview Aside from the generous welcome bonus offer, the recurring benefits make this card a keeper. The yearly anniversary free night alone is worth the annual fee of $99, and the fourth night free on award stays can help your points stretch further. You'll even get automatic IHG Platinum Elite status — a nice bonus that can translate to valuable benefits and point earnings on paid stays.
The IHG One Rewards Premier Credit Card offers various travel and statement credits, such as 10,000 bonus points and a $100 statement credit after spending $20,000 on purchases and making one additional purchase each calendar year and up to $50 in United TravelBank Cash each year (which you can use toward airfare with United). You can also spend your way to top-tier Diamond elite status after spending $40,000 points on purchases and making one additional purchase in a calendar year. Any good hotel credit card welcome bonus offer should offer a minimum of one free night at a top-tier hotel.
The IHG One Rewards Premier Credit Card delivers on that front and offers plenty of options for redeeming those rewards. The IHG One Rewards Premier Credit Card offers cardholders up to 26x points per dollar spent on eligible IHG hotel stays. You'll get 10x points by using the card on eligible purchases, another 10x points by being an IHG One Rewards member (that's the hotel chain's loyalty program, which is free to join), and another 6x points for having Platinum Elite status (a complimentary benefit of the card).
If you're interested in booking a stay at an IHG hotel but you don't want to tie yourself to one hotel brand, you could consider the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® instead. That's because these two cards earn Chase Ultimate Rewards® points that you can transfer to the IHG Rewards program to book hotel stays — and you have access to 13 other transfer partners (including Hyatt and Marriott ) as well. Another option is to earn points from the Bilt Mastercard®.
Bilt Rewards members can transfer their points to over a dozen airline and hotel partners, including IHG. IHG Credit Card Rewards The IHG One Rewards Premier Credit Card is currently offering a welcome bonus of 5 free nights, each valued at up to 60,000 points, after spending $4,000 in the first three months from account opening. Based on Personal Finance Insider's valuation of IHG points , the bonus is worth $1,950 in hotel stays.
The IHG One Rewards Premier Credit Card comes with a generous earning rate at IHG hotels, and it earns bonus points in a couple of everyday spending categories. Cardholders earn: 10 points per dollar at participating IHG hotels (this is in addition to up to 10x points for being an IHG Rewards Club member and a 60% bonus on points earned from stays due to having Platinum status from the card) 5 points per dollar for travel, dining, and at gas stations 3 points per dollar for all other eligible purchases Whether it's an overwater villa in French Polynesia or a Candlewood Suites in the suburbs, there's a wide range of ways to get maximum value out of IHG points. While IHG now has variable award pricing depending on demand and season, free nights typically range from 10,000 to 70,000 points (with super high-end exceptions that cost up to a jaw-dropping 120,000 points per night).
The welcome bonus offer from the IHG One Rewards Premier Credit Card could cover a short luxury hotel stay, or multiple nights at lower-level IHG properties. That doesn't even include the fourth night free benefit offered to cardholders. If you don't have IHG hotel stays planned in the near future, you don't have to worry about your points expiring as long as your IHG One Rewards Premier Credit Card is open.
When you have IHG elite status (including the automatic Platinum status that comes with the IHG One Rewards Premier Credit Card), your points won't expire — otherwise, IHG points normally expire after 12 months of account inactivity. There are other ways to use IHG points apart from hotel award stays, but you typically won't get as much value from your points with these options: Transfer IHG points to airline partners Donate IHG points to charity Redeem points for gift cards, digital rewards, merchandise, and magazines Cash in points for exclusive events and experiences IHG points are worth 0.65 cents apiece, on average, based on Personal FinanceInsider's points and miles valuations — but the exact value you'll get depends on how and where you redeem your points.
IHG Premier Card Benefits and Features The IHG One Rewards Premier Credit Card offers lots of impressive benefits — in fact, for an annual fee of $99, it's hard to beat the range and value of perks you'll receive as a cardholder. The most compelling benefit of the IHG One Rewards Premier Credit Card is one that can easily make up for the annual fee (and more) each year. Cardholders receive a free night each year after their card anniversary , valid for use at any IHG hotel worldwide that costs up to 40,000 points per night.
It's possible to get $200 or $300 in value from this benefit if you redeem your free night at upscale, expensive properties. Plus, you can now use your annual certificate alongside your IHG points to stay at hotels costing more than 40,000 points per night. For example, if you want to stay at a hotel that costs 60,000 points per night, you can redeem your 40,000-point certificate and 20,000 IHG points.
That makes this free night award much more flexible. The IHG One Rewards Premier Credit Card comes with automatic IHG Platinum elite status — one of the chain's middle elite tiers. Platinum elite members receive room upgrades (where available), late checkout, complimentary internet, a welcome gift, 60% bonus points on paid bookings, free drinks in some hotels, and more.
This card also allows you to achieve top-level Diamond elite status when spending $40,000 on purchases in a calendar year and making one additional purchase. To otherwise earn Diamond status, you'd have to stay 70 nights or earn 120,000 points per calendar year. Cardholders also get a fourth night free on points stays of three or more consecutive nights.
That translates to a 25% savings on four-night award stays, and can help stretch your sign-up bonus from the IHG One Rewards Premier Credit Card even further. After registering, you're eligible to receive two $25 deposits into your United TravelBank Cash account. You'll receive the first around January 1 of each year, and the second around July 1.
TravelBank deposits expire before each new deposit. In other words, you can't collect and use them together for the same ticket. Deposits made on or after January 1 will expire on June 30, and TravelBank deposits made on or after July 1 will expire on December 31.
You can earn 10,000 bonus IHG points and a $100 statement credit each account anniversary year you spend $20,000 on purchases (and make one additional purchase at least one day after you spend $20,000). Cardholders receive a Global Entry or TSA PreCheck fee credit of up to $100 every four years, and this perk has been expanded to include NEXUS (which offers expedited entry into Canada as well as Global Entry and TSA PreCheck benefits). This is a benefit that is usually included on cards with higher annual fees like The Platinum Card® from American Express and Chase Sapphire Reserve®.
Even if you've already enrolled in one of these trusted-traveler programs, you can use your card to pay someone else's fee and get reimbursed. It doesn't usually make sense to buy loyalty program points unless you need to top off your account for an award. But if you find yourself in that situation, you'll get a 20% discount on IHG points purchases when you use your IHG One Rewards Premier Credit Card.
Keep in mind this discount won't stack with other IHG points purchase promotions. When you use your IHG One Rewards Premier Credit Card to pay for your car rental and decline the rental company's collision insurance, you can be covered for damage due to theft or collision on most cars. Coverage is secondary in the U.
S. and primary otherwise, but read the terms and conditions for country and vehicle exclusions. If you've paid for your trip with the IHG One Rewards Premier Credit Card and it's cut short or canceled for a covered reason like illness or severe weather, you can be reimbursed up to $5,000 per person and $10,000 per trip for pre-paid, non-refundable travel expenses.
When you pay for your air, bus, cruise, or train transportation with the IHG One Rewards Premier Credit Card, you're eligible for accidental death or dismemberment coverage of up to $500,000. When you pay for your fare with the IHG One Rewards Premier Credit Card and the carrier damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger. If your bags are delayed for six hours or more, you could be reimbursed for essential purchases (like clothing and toiletries) up to $100 per day for up to three days.
If an eligible item you've bought with the IHG One Rewards Premier Credit Card is damaged or stolen within 120 days of purchase, Chase's purchase protection could reimburse you for up to $500 per claim, and up to $50,000 per account. The IHG One Rewards Premier Credit Card extends the time period of a US manufacturer's warranty on eligible items by an additional year, on warranties of three years or less when you pay with your card. If you're traveling away from home and run into a problem, you can get help with medical and legal referrals or other emergency assistance.
This service is free, but any third-party costs are the cardholder's responsibility. IHG One Rewards Premier Credit Card can enroll for a complimentary one-year DoorDash DashPass membership , which comes with free delivery and discounted service fees on orders $12 and above with both DoorDash and Caviar delivery services, and normally costs $9.99 per month.
Activation of the benefit is required by December 31, 2024. IHG One Rewards Premier Card Annual Fee and Other Costs The IHG One Rewards Premier Credit Card currently has an annual fee of $99. There are no foreign transaction fees , so you can use the card anywhere in the world without incurring extra charges.
Like most other cards, the IHG One Rewards Premier Credit Card charges fees for balance transfers, cash advances, and late or returned payments. Compare the IHG One Rewards Premier Credit Card IHG One Rewards Premier Credit Card IHG One Rewards Traveler Credit Card IHG One Rewards Premier Business Credit Card Annual fee $99 $0 $99 Rewards rate 10x points at IHG Hotels and Resorts* 5x points for travel, dining, and at gas stations 3x points for all other eligible purchases 5x points* at IHG Hotels and Resorts 3x points on utilities, internet, cable, phone, and select streaming services 3x points on dining and at gas stations 2 points per dollar on all other eligible purchases 10x points at IHG Hotels and Resorts* 5x points on travel and at gas stations, dining, social media and search engine advertising, and at office supply stores 3 points per dollar on all other eligible purchases Welcome bonus 5 free nights, each valued at up to 60,000 points, after spending $4,000 in the first three months from account opening 100,000 bonus points after you spend $2,000 on purchases in the first three months from account opening 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening Card benefits Automatic IHG Platinum Elite status Diamond elite status after spending $40,000 on purchases and making one additional purchase each calendar year with the card Annual free night award worth up to 40,000 points 10,000 bonus points and a $100 statement credit after spending $20,000 on purchases and making one additional purchase each calendar year Up to $50 in United TravelBank Cash each calendar year Fourth reward night free when you redeem points for a stay of three or more nights Global Entry, TSA PreCheck, or NEXUS application fee credit 20% discount when you purchase points with your card Car rental insurance (secondary in the US, primary otherwise) Trip cancellation/interruption insurance Travel accident insurance Lost luggage reimbursement Baggage delay insurance Travel and emergency assistance services Purchase protection Extended warranty No foreign transaction fees One-year free DoorDash DashPass membership (activation required by December 31, 2024) Automatic IHG Silver elite status Gold elite status after spending $20,000 on purchases and making one additional purchase each calendar year with the card Fourth reward night free on award stays of three or more nights 10,000 bonus points each year you spend $10,000 on eligible purchases and make one additional purchase Car rental insurance (secondary in the US, primary otherwise) Trip cancellation/interruption insurance Travel accident insurance Lost luggage reimbursement Baggage delay insurance Travel and emergency assistance services Purchase protection Extended warranty 20% discount on IHG point purchases with your card No foreign transaction fees One-year free DoorDash DashPass membership (activation required by December 31, 2024) Automatic IHG Platinum Elite status Diamond elite status after spending $40,000 on purchases and making one additional purchase each calendar year with the card Annual free night award*** An additional free night each year you spend $60,000 on purchases and make one additional purchase each calendar year Fourth reward night free when you redeem points for a stay of three or more nights Global Entry, TSA PreCheck, or NEXUS application fee credit Up to $50 in United TravelBank Cash each calendar year 10,000 bonus points and a $100 statement credit after spending $20,000 on purchases and making one additional purchase each calendar year 20% discount when you purchase points with your card Car rental insurance (primary when renting for business purposes in the US) Trip cancellation/interruption insurance Travel and emergency assistance services Purchase protection Extended warranty No foreign transaction fees One-year free DoorDash DashPass membership (activation required by December 31, 2024) Review IHG One Rewards Travel card review IHG One Rewards Premier Business credit card review * Bonus points at IHG hotels are in addition to the points members would normally earn from a stay Usually, most people who get approved for the IHG One Rewards Premier Credit Card have a credit score in the good to excellent range (a FICO score of at least 670). The IHG One Rewards Premier Credit Card is worth it for the free anniversary night alone, which can be worth much more than the card's annual fee .
And other perks, like the fourth reward night free and automatic Platinum status, can help you stretch your points and make your travels more comfortable. The IHG One Rewards Premier Credit Card is subject to the Chase 5/24 rule , which means if you've opened five or more credit cards from any bank (excluding some small-business cards), you won't be approved for the card. You're also not eligible if you already have a personal IHG credit card, such as the IHG One Rewards Traveler Credit Card or the legacy Chase IHG Select (not available to new applicants), or if you've earned the welcome bonus from an IHG personal card in the past 24 months.
You are, however, eligible to open this card and earn its bonus if you have the IHG One Rewards Premier Business Credit Card . None of the above restrictions apply to holders of this card. The IHG One Rewards Premier Credit Card is a World Elite Mastercard, which means it comes with great travel insurance and purchase protection, along with other perks.
When you use your IHG One Rewards Premier Credit Card to pay the Global Entry, TSA PreCheck, or NEXUS application fee, you'll receive a statement credit (up to $100) for the charge on your account. There's no requirement to activate the credit — it will show up automatically after you make a qualifying transaction. You're eligible for the benefit once every four years, and you can use the credit for your own or someone else's application.
No, the IHG One Rewards Premier Credit Card is not a metal card. It's a regular plastic card. In short, yes! The IHG One Rewards Premier Credit Card is a great "keeper" card for those who stay with IHG at least once a year, since you can get a value worth far more than the annual fee from the anniversary award night alone.
The rest of its perks are effectively gravy. Before the IHG One Rewards Premier Credit Card came on the market, Chase issued the IHG Select card (no longer available to new applicants). If you have the Select card, you may have received offers to upgrade to the newer IHG One Rewards Premier Credit Card.
There are pros and cons to upgrading. The Select card only charges an annual fee of $49 (and you'll still get an anniversary free night), so you'll pay just over twice that if you product change to the IHG One Rewards Premier Credit Card. In addition, the IHG Select card comes with a 10% rebate on award redemptions (up to 100,000 points per year), which the IHG One Rewards Premier Credit Card does not offer.
However, the IHG One Rewards Premier Credit Card offers several benefits the Select card doesn't, including the ability to top-off anniversary nights with points and United Travel Bank credits. Depending on the perks you're likely to use, an upgrade could prove worthwhile — if you're willing to pay a higher annual fee. Methodology: How We Reviewed the IHG Premier Card Personal Finance Insider's credit card experts evaluated the IHG One Rewards Premier Credit Card in comparison to other IHG credit cards and similar hotel credit cards from Hilton, Marriott, Hyatt, Wyndham, and Choice.
The factors we assessed included: Ease of use — Is the card's rewards program easy to use? Is redeeming points straightforward, or do you have to navigate complicated award charts and rules? Earning potential — Is the welcome bonus offer competitive and valuable? Does the card have bonus categories that are useful for everyday spending as well as travel? Fees — When there's an annual fee, do the card's benefits justify it (like elite status or anniversary free nights)? Are there other charges to look out for, like foreign transaction fees or a high APR? Benefits — Does the card offer perks that can save travelers money or make their journey more comfortable? Are any of the benefits unique? Read about how we rate credit cards at Personal Finance Insider to learn more about our methodology..
