Credit Card Review: IHG Rewards Club Premier

The IHG Rewards Club Select credit card from Chase had some of the most valuable benefits of any card out there. Just for paying the $49 a year annual fee, you received a free night at any IHG hotel worldwide, Platinum IHG status and a 10% rebate on reward stays. As what eventually happens to all great things, the Rewards Club Select card is no longer (well, it’s no longer available for new applications). So what about it’s new, flashy replacement, the IHG Rewards Club Premier Credit Card?

IHG® Rewards Club Premier Credit Card

Annual Fee – $89 per year (not waived the first year)

Sign Up Benefits – The IHG Rewards Club Premier card is currently offering 80,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening. You can also earn 5,000 bonus points after you add your first authorized user and make your first purchase in the first three months from account opening. I’m not a fan of adding authorized users for extra points and you can find out why by clicking HERE.

Plus, earn 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year. But please don’t spend $20,000 a year on this card for the 10,000 extra IHG points. If you’re able to spend that much a year on a card, message me and we’ll talk about which card(s) are best for you.

If you use our referral link to apply for this card, we will get 10,000 IHG points for each person who signs up. Since our sign up offer is the same as the general one, why not help us out while helping out yourself?

Spending Bonus Categories – The IHG Rewards Club Premier earns 10X points on stays at IHG hotels. It also earns 2x points on purchases at gas stations, grocery stores and restaurants. The card earns one point per dollar for all other spending.

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No Foreign Transaction Fees – As you would hope a card that can be used at IHG hotels worldwide would, the IHG Rewards Club Premier doesn’t charge any foreign transaction fees.

Automatic Platinum Elite Status –  Cardholders are upgraded to IHG Rewards Club Platinum Elite status for as long as you remain a cardholder in good standing. This would normally require 40 stays at IHG hotels per year and is one of the best hotel loyalty levels that can be obtained through having a co-brand card.  It’s not the most beneficial level but you get 50% bonus on points earned when staying at IHG hotels, complimentary room upgrades, priority check in and extended check out.

Free Reward Night On Four Or More Night Stays – A new benefit of the IHG Rewards Club Premier credit card is that when booking a reward stay for four or more nights, one of the nights will be free. This replaces the 10% rebate on reward redemptions from the old IHG card. Another way to look at this new benefit is that you get a 25% discount on four night stays. Most other co-brand cards offer a fifth night free, so this is an industry leading perk for the new IHG card.

Global Entry or TSA Pre-Check Credit – You’ll receive up to a $100 credit every four years for application fees charged to the card. This is the only base level hotel card to offer this benefit. It’s also leaves one less excuse not to get Global Entry or TSA Pre-Check.

Anniversary Free Night – You’ll still get an Anniversary Free Night that’s valid at IHG® Hotels. But now that free night is only good at hotels with a current point redemption level of 40,000 points or less. Free night stays must be redeemed, and stay must be completed, within 12 months from date of issue. You can visit for a list of hotels that don’t accept the Anniversary Free Night certificate.

Losing the ability to stay at any IHG hotel hurts, but there are plenty of places that charge 40,000 points a night worth staying at.


Save 20% on Purchased Points – Another new benefit to the IHG Rewards Premier card is a 20% discount when your pay for IHG points with the card. Now, I usually wouldn’t care about this but I do find that purchasing IHG points can be a good value. Buying them at a 20% discount will make them even more so.

Final Thoughts

While the old IHG Rewards Club card was a no brainer to get and hold onto if you stayed at IHG hotels, the IHG Rewards Club Premier card is a solid replacement. Adding new benefits like fourth night free on award stays, Pre-check or Global Entry credit and 20% back on purchased points lessens the sting of losing a free night at any IHG hotel and the 10% rebate on award redemptions. I still think it’s rather easy to get value from a free night at hotels up to 40,000 points, even if the annual fee is now $89 instead of $49.

While I’m mourning the loss of a credit card that had one of the best benefits for a unreasonably low annual fee, the IHG Rewards Premier card is a worthy replacement. It could have been much worse.

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