IHG One Rewards Premier Credit score Card Evaluate: Nice Advantages, Low Charge

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Hyperlink: Apply now for the IHG One Rewards Premier Credit score Card

Lodge bank cards are extremely underrated. Even if you happen to don’t spend a lot cash on them, they’ll provide big perks, together with elite standing and free night time certificates. Once you mix these two components, loads of these playing cards provide outsized worth.

On this publish, I wished to take a better take a look at a resort bank card that I believe nearly everybody ought to have, for the anniversary free night time certificates, if nothing else. That is an particularly good time to use.

IHG One Rewards Premier Card Fundamentals For February 2024

The IHG One Rewards Premier Credit score Card is the premium Chase and IHG co-branded private bank card. Even if you happen to don’t plan on placing a lot spending on the cardboard, this card may be value having for the anniversary free night time certificates, fourth night time free on award redemptions, elite standing, and far more.

For these of you not aware of IHG (InterContinental Motels Group), the group owns InterContinental, Six Senses, Regent, Vacation Inn, Crowne Plaza, Lodge Indigo, and extra.

Let’s take a better take a look at what it’s worthwhile to find out about this card.

Welcome Bonus Of 165,000 IHG Factors

For purposes by way of April 3, 2024, the IHG Premier Card is providing a superb limited-time welcome bonus the place you’ll be able to earn 165,000 IHG One Rewards bonus factors after spending $3,000 throughout the first three months.

It is a excellent bonus. Personally, I worth IHG factors at 0.5 cents every, so to me, the factors are value $825.

Redeem IHG factors on the Kimpton Sydney

IHG Credit score Card Eligibility

The welcome bonus on the IHG Premier Card isn’t accessible to those that at the moment have a private IHG One Rewards bank card, or those that have obtained a brand new cardmember bonus on a private IHG One Rewards bank card previously 24 months. So that you aren’t eligible for the cardboard if in case you have the IHG One Rewards Traveler Credit score Card (overview).

Nevertheless, you might be eligible if in case you have the enterprise model of the cardboard, which is the IHG One Rewards Premier Enterprise Credit score Card (overview).

$99 Annual Charge

The IHG Premier Card has a $99 annual payment. You possibly can add further cardmembers to your account at no further value. As I’ll clarify beneath, the annual payment is nicely value it even if you happen to don’t spend cash on the cardboard, because you get an anniversary free night time certificates.

Incomes Factors With The IHG Premier Card

The IHG Premier Card has a stable points-earning construction, and it very nicely could possibly be value spending cash on the cardboard. That’s very true when you think about the spending threshold bonuses.

10x Factors At IHG Properties

In case you have the IHG Premier Card, you’ll be able to earn 26x IHG factors per greenback spent at IHG properties. Nevertheless, in actuality, not all of these factors come from the bank card. Right here’s how this breaks down:

  • You earn 10x factors from IHG for being an IHG program member
  • You earn 6x factors from IHG with Platinum standing, which is a good thing about this card
  • You earn 10x factors for paying along with your IHG Premier Card
Earn 10x IHG factors for stays at IHG properties

5x Factors On Journey, Gasoline Stations, And Eating

The IHG Premier Card provides 5x factors for purchases made on journey, gasoline stations, and eating. These are some well-rounded bonus classes, and primarily based on my valuation of IHG factors, that’s like a ~2.5% return on that spending. In and of itself, that’s not so superb, however there are additional incentives to spend cash on the cardboard.

Earn 5x IHG factors for eating spending

3x Factors On Different Purchases

For classes in which you’ll’t earn 5-10x factors, the IHG Premier Card provides 3x factors per greenback spent. Whereas there are probably higher playing cards for on a regular basis spending, there could possibly be worth in utilizing the cardboard in the proper spending increments.

No Overseas Transaction Charges

The IHG Premier Credit score Card has no overseas transaction charges, so it’s a superb card for purchases overseas. That’s very true when staying at IHG properties overseas, in addition to for eating and commuting exterior america.

$100 Assertion Credit score & 10,000 Bonus Factors With Spending

As an extra incentive to spend cash on the cardboard, the IHG Premier Card provides a $100 assertion credit score plus 10,000 bonus factors whenever you spend $20,000 on the cardboard in a calendar 12 months, plus make one further buy.

As I discussed above, I worth IHG factors at 0.5 cents every, so between the assertion credit score and factors, that’s like $150 of further worth, making it an incremental 0.75% return on $20,000 value of spending. Once you stack it with the cardboard’s different perks, that would add up.

Redeem IHG factors on the InterContinental Amsterdam

IHG Diamond Standing With Spending

The IHG Premier Card provides IHG Diamond standing if you happen to spend $40,000 or extra on the cardboard in a calendar 12 months. That is IHG’s high tier elite standing, which provides perks like complimentary breakfast, room upgrades, late check-out, and extra.

With the Milestone Rewards program (which you’ll unlock primarily based on what number of elite nights you earn with IHG per 12 months), you’ll be able to obtain advantages like confirmed suite upgrades, membership lounge entry, meals & beverage credit, and extra.

IHG Premier Credit score Card Advantages

What actually makes the IHG Premier Card distinctive is the advantages and perks that it provides, which in my view greater than offset the annual payment on the cardboard.

IHG Anniversary Free Evening

Yearly in your account anniversary you get a free night time certificates, legitimate at any property costing as much as 40,000 factors per night time. Better of all, you need to use factors to high off your award and redeem at a costlier property. In different phrases, you could possibly ebook a resort costing 60,000 factors per night time through the use of the certificates and redeeming a further 20,000 factors.

This free night time certificates might be issued shortly after your anniversary and is legitimate for 12 months. I’ve constantly gotten big worth with these certificates, and have been in a position to redeem them at properties costing $250+ per night time, with out even bearing in mind the power to high off these certificates with factors.

I’ve used a free night time certificates on the Kimpton EPIC Miami

Fourth Evening Free On Award Redemptions

Only for having the IHG Premier Card you get a fourth night time free on award redemptions. Once you ebook 4 consecutive nights on an award redemption then you definitely solely should redeem factors for the primary three nights.

That is an superior perk, since it may be used an infinite variety of instances (you’ll be able to even use it to ebook a number of rooms on the similar resort). When you normally redeem factors for stays in increments of 4 nights, that is like getting 25% off all of your redemptions.

Get a fourth night time free on an award on the InterContinental Maldives

IHG Platinum Standing

You obtain IHG Platinum standing for so long as you could have the IHG Premier Card. Amongst different issues, IHG Platinum members obtain:

  • Complimentary room upgrades, topic to availability
  • 60% bonus factors
  • Late check-out, topic to availability
  • Precedence check-in
  • Complimentary web
  • Welcome amenity
  • Entry to award gross sales all year long
  • Entry to the Milestone Rewards program primarily based on what number of elite nights are earned, providing perks like confirmed suite upgrades, membership lounge entry, and extra
Get room upgrades as an IHG Platinum member

Up To $50 United TravelBank Money Per 12 months

The IHG Premier Card provides as much as $50 in United TravelBank Money per 12 months:

  • Every calendar 12 months you’ll obtain one $25 United TravelBank Money deposit round January 1, and one other round July 1
  • Deposits made between January 1 and June 30 expire on July 15, and deposits made between July 1 and December 31 expire on January 15
  • It’s essential to full one-time registration to obtain this profit

When you fly United with any frequency, then that is like $50 value of journey on United per 12 months, which is superior.

Rise up to $50 in United credit per 12 months with the cardboard

International Entry, TSA PreCheck, Or NEXUS Credit score

The IHG Premier Card provides a International Entry, TSA PreCheck, or NEXUS credit score as soon as each 4 years. Simply cost the membership payment of as much as $100 to your card, and it’ll robotically be reimbursed. It doesn’t matter who the payment is being paid for, so long as you cost it to your eligible card.

Secondary Rental Automobile Protection

The IHG Premier Card provides auto rental collision harm waiver protection. Decline the rental firm’s collision insurance coverage and cost all the rental value to your card.

Protection is supplied for theft and collision harm for many automobiles in america and overseas. Do word that domestically the protection is secondary to your private insurance coverage, although.

Get rental automobile protection with the cardboard

Safety With Journey Delays, Misplaced Baggage, And Extra

The IHG Premier Card provides quite a lot of different safety when touring. Amongst these options is:

  • Journey Cancellation & Journey Interruption Insurance coverage — be reimbursed as much as $5,000 per journey when your journey is canceled or minimize brief attributable to illness, extreme climate, and so on.
  • Misplaced Baggage Reimbursement — be reimbursed as much as $3,000 per passenger if you happen to or your fast member of the family verify or keep on baggage that’s broken or misplaced by an airline
  • Baggage Delay Insurance coverage — be reimbursed as much as $100 per day for 3 days for important purchases when your bag is delayed by over six hours

Be sure you verify your cardmember settlement for all the particulars, since there are phrases & situations.

Is The IHG Premier Card Value It?

I believe the IHG Premier Card is completely value having, plain and easy, no matter how loyal you might be to IHG, and no matter how a lot you propose on spending on the cardboard.

The cardboard’s $99 annual payment is simple to justify primarily based on the perks that it provides. The cardboard provides an anniversary free night time certificates, a fourth night time free on award redemptions, IHG Platinum standing, as much as $50 in United credit per 12 months, a International Entry payment credit score, and extra.

Everybody in my household has an IHG Card, if for no different motive than that we constantly redeem the free night time certificates at inns that may value $250+ when paying money (and probably much more with the power to high off with factors).

Even if you happen to’re not an IHG loyalist, the group has hundreds of inns world wide, so that you’ll probably end up in a state of affairs the place an IHG property is handy. When you’re making an attempt to resolve between playing cards, let’s simply evaluate a few completely different choices.

$99 Annual Charge IHG Premier Card Vs. No Annual Charge IHG Traveler Card

Above I’ve written concerning the $99 annual payment IHG Premier Card, although there’s additionally the no annual payment IHG One Rewards Traveler Credit score Card (overview). The IHG Premier Card is completely definitely worth the annual payment. Why?

  • The IHG Premier Card provides an anniversary free night time, whereas the IHG Traveler Card doesn’t
  • The IHG Premier Card provides IHG Platinum standing, whereas the IHG Traveler Card provides IHG Silver standing
  • The IHG Premier Card provides as much as $50 in United credit per 12 months, whereas the IHG Traveler Card doesn’t
  • The IHG Premier Card provides a International Entry, TSA PreCheck, or NEXUS credit score, whereas the IHG Traveler Card doesn’t
  • The IHG Premier Card provides a bigger welcome bonus

Like I stated, the only finest good thing about the IHG Premier Card is the anniversary free night time certificates, and to me that’s value far more than its annual 12 months. I believe the IHG Premier Card is the apparent selection between the 2.

IHG Premier Private Card Vs. IHG Premier Enterprise Card

Along with two private playing cards, Chase and IHG even have the IHG One Rewards Premier Enterprise Credit score Card (overview). How do the 2 playing cards evaluate? Properly, the advantages are largely very comparable:

  • Each playing cards provide an anniversary free night time certificates, IHG Platinum standing, a fourth night time free on award redemptions, as much as $50 in United TravelBank Money every year, and so on.
  • The foremost variations are that the enterprise card has a number of extra bonus classes, and provides a further free night time award if you happen to spend $60,000 on the cardboard in a calendar 12 months

Each of those playing cards are wonderful, and personally, I believe it’s value choosing each up, in an effort to earn two free night time awards per 12 months with out having to spend something.

Redeem a free night time certificates on the Lodge Indigo Venice

Different Choices For Incomes IHG Factors

If you wish to earn IHG factors with out having an IHG card, needless to say IHG is a switch accomplice with Chase Final Rewards, so you could possibly switch factors at a 1:1 ratio. For instance:

  • The Chase Sapphire Reserve® Card (overview) provides 3x factors on eating and journey
  • The Chase Sapphire Most popular® Card (overview) provides 3x factors on eating, on-line groceries, and streaming providers, and 2x factors on journey
  • The Ink Enterprise Most popular® Credit score Card (overview) provides 3x factors on the primary $150,000 spent yearly on journey, delivery purchases, web, cable and cellphone providers, and promoting purchases made with social media websites and serps
  • The Chase Freedom Limitless® (overview), at the side of one of many above playing cards, earns 3x factors on eating and drugstores, and 1.5x factors on all purchases
  • The Chase Freedom FlexSM (overview), at the side of one of many above playing cards, earns 3x factors on eating and drugstores, and 5x factors in rotating quarterly classes

That being stated, normally, I completely wouldn’t advocate transferring Chase factors to IHG. As I stated, I worth IHG factors at ~0.5 cents every, whilst you can as an alternative switch factors on the similar ratio to applications like World of Hyatt, the place I worth the factors at ~1.5 cents every (3 times as a lot).

Generally it will possibly make sense to purchase IHG factors when this system has a sale. IHG generally sells factors with a 100% bonus, which brings down the associated fee per bought level to 0.5 cents. Once you stack that with the fourth night time free supplied by this card and the Platinum perks you’ll obtain, that could possibly be nicely value it.

Backside Line

The IHG Premier Card is a product that I extremely advocate getting. The cardboard’s $99 annual payment is very easy to justify, due to the anniversary free night time award, as much as $50 in United credit, IHG Platinum standing, and far more.

This free night time certificates is the only greatest good thing about the cardboard, and constantly provides outsized worth. That’s very true with the power to high off the certificates with factors, to redeem at a costlier property.

I do know some individuals are against having loads of bank cards, however usually it will possibly make sense to have some playing cards only for the perks they provide, even if you happen to don’t essentially plan on spending a lot cash on the cardboard. That is a kind of playing cards.

If you wish to be taught extra concerning the IHG Premier Credit score Card or apply, comply with this hyperlink.

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