Credit Card Review: IHG Rewards Club Premier

The co-brand credit card of the IHG Rewards Club is one of the best cards to hang on to for the long term. At a minimum, if you’re eligible to get one under Chase’s 5/24 rule, I’d think it’s a better choice for those just starting with points and miles than many other cards out there. It offers a solid sign up bonus with a reasonable spending requirement and finding award rooms with your points is generally not too difficult. IHG also has hotels almost anywhere you look around the world.

Sure, the status you’re provided isn’t going to get you a huge suite upgrade in a fancy hotel and the free night you’ll get every year you keep the card excludes all of the really nice properties, unlike when you could use the free night at any IHG hotel. Before I go and destroy my own argument about this being a great card, here are the details about the IHG Rewards Club Premier Mastercard by Chase.


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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.

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’d like to sign up for this card, we’d appreciate it If you use our referral link. We get some bonus IHG points for each person who signs up, so why not help us out while helping 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 purchases.

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Photo by Creative Vix on Pexels.com

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. It’s not the most beneficial level but you do get a 50% bonus on points earned when staying at IHG hotels and priority check-in. They also claim you’ll get complimentary room upgrades and extended checkout (subject to availability which means don’t count on hotels honoring those benefits).

Free Reward Night On Four Or More Night Stays – When booking a reward stay for four or more nights, every fourth night is free. Another way to look at this benefit is that you get a 25% discount on four-night award stays, or multiples of four nights. Most other co-brand cards offer a fifth night free, so this is an industry-leading perk for the 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 also leaves one less excuse for you not to apply for Global Entry or TSA Pre-Check.

Anniversary Free Night – You get an Anniversary Free Night that’s valid at IHG 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 IHG.com/AnniversaryFreeNight for a list of hotels that don’t accept the Anniversary Free Night certificate.

If you think this will eliminate all of the nice IHG hotels, there are plenty of places that charge 40,000 points a night worth staying at.

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Save 20% on Purchased Points – The IHG Rewards Premier card offers a 20% discount when you 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

The IHG Rewards Club Premier card is a solid co-brand hotel credit card. Benefits like automatic Platinum Elite status, a fourth night free on award stays, up to a $100 TSA Pre-check or Global Entry credit and 20% back on purchased points make the card valuable even after the first year and the 80,000 points sign up bonus. I think it’s rather easy to get value from a free night at IHG hotels up to 40,000 points, so this is a card where even I’ll say you’re at least breaking even when paying the $89 annual fee.

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This post first appeared on Your Mileage May Vary

2 thoughts on “Credit Card Review: IHG Rewards Club Premier”

  1. Did they change the free night use? When I used mine last time you had to book before expiration, but the actual stay could be after expiration. I stayed in Key West for two nights back in January – one on an “expired” certificate.

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