125K Points and a Free Night


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Regular APR

15.99% – 22.99% Variable

Credit Score

Good to Excellent

Featured Reward

125,000 bonus points and a free night certificate after spending $3,000 on purchases within the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Anniversary reward night can be worth more than the annual fee
    Cons
    • Could offer better rewards on non-IHG purchases
    • Earn 125,000 bonus points + a Free Night after spending $3,000 on purchases in the first 3 months from account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

    Read Our Review
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    Review: Is the IHG Rewards Club Premier the best credit card for you?

    The IHG® Rewards Club Premier Credit Card offers tremendous value 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.

    Aside from the generous sign-up bonus, the recurring benefits make this card a keeper. The yearly anniversary free night alone is worth the annual fee — $89 — and the fourth night free on award stays can help your points stretch further. Having IHG Platinum Elite status is a nice bonus that can translate to valuable benefits and point earnings on paid stays.

    Currently, you can earn 125,000 bonus points and a free night certificate after spending $3,000 on purchases within the first three months of account opening. The free night certificate is valid for a one-night stay at IHG hotels that cost up to 40,000 points, making this bonus potentially worth up to 165,000 points.

    Read more: The IHG Rewards Premier card is offering an unprecedented bonus of 125,000 points plus a free night certificate worth up to 40,000 points

    With the bonus points, you can get at least two nights at an upscale hotel, or up to 12 free nights at IHG’s lower-level properties. And the free night certificate is valid for a one-night stay at IHG hotels that cost up to 40,000 points, making this bonus potentially worth up to 165,000 points.

    Any good hotel credit card sign-up bonus should offer a minimum of one free night at a top-tier hotel. The IHG® Rewards Club Premier Credit Card delivers on that front and offers plenty of options for redeeming those rewards.

    The IHG® Rewards Club Premier Credit Card offers cardholders up to 25x 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 Rewards Club member (that’s the hotel chain’s loyalty program, which is free to join), and another 5x 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 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.

    Upcoming changes to the Chase IHG Premier card

    Starting March 24, 2022, the IHG® Rewards Club Premier Credit Card is getting an overhaul, and the updates are generally positive. In summary:

    • The card will be known as the IHG® Rewards Premier Credit Card and the annual fee will increase to $99
    • Cardholders will earn 5x points (increased from 1x) on travel, 5x points (increased from 2x) on purchases at gas stations and dining, and 3x points (increased from 1x) on all other purchases
    • The anniversary free night will become more flexible — you’ll be able to add unlimited points to your certificate if you want to redeem at hotels above the 40,000-point redemption limit
    • Cardholders will receive up to $50 United TravelBank Cash each calendar year, which they can use toward United Airlines purchases after registering their card with their United MileagePlus account
    • After spending $20,000 on purchases and making one additional purchase each calendar year, cardholders can earn 10,000 bonus points and a $100 statement credit
    • Cardholders will continue to receive automatic IHG Platinum elite status, but can earn new IHG Diamond elite status after spending $40,000 on purchases and making one additional purchase each calendar year with their card

    Read more: The Chase IHG Rewards Premier and Traveler cards are getting a major makeover, and there’s a new IHG small-business card joining the family

    Comparison: IHG Premier card vs other Chase hotel credit cards

    * Bonus points at IHG, Marriott, Hilton, and Hyatt hotels are in addition to the points members would normally earn from a stay

    *** The IHG® Rewards Club Premier Credit Card offers an annual free night award each year after your account anniversary for participating IHG properties that cost up to 40,000 points

    **** The Marriott Bonvoy Boundless® Credit Card offers an annual free night award each year after your account anniversary for participating Marriott Bonvoy properties that cost up to 35,000 points

    ***** The World Of Hyatt Credit Card offers an annual free night award each year after your account anniversary for participating Category 1 to 4 World of Hyatt properties 

    IHG Premier credit card vs other hotel cards

    * Bonus points at IHG, Marriott, Hilton, and Hyatt hotels are in addition to the points members would normally earn from a stay

    *** The IHG® Rewards Club Premier Credit Card offers an annual free night award each year after your account anniversary for participating IHG properties that cost up to 40,000 points

    How to earn points with the IHG Rewards Premier card

    The IHG® Rewards Club 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 50% bonus on points earned from stays due to having Platinum status from the card)
    • 2 points per dollar at gas stations
    • 2 points per dollar at grocery stores (excluding warehouse clubs and retailers like Walmart and Target)
    • 2 points per dollar at restaurants (including takeout and eligible delivery services)

    Read more: The best hotel credit cards

    How to use IHG points

    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 a few exceptions that cost up to 100,000 points per night).

    Read more: How to earn, redeem, and maximize IHG Rewards Club points

    The sign-up bonus from the IHG® Rewards Club 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® Rewards Club Premier Credit Card is open. When you have IHG elite status (including the automatic Platinum status that comes with the IHG® Rewards Club 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

    Benefits and features

    The IHG® Rewards Club Premier Credit Card offers lots of impressive benefits — in fact, for an annual fee of $89, it’s hard to beat the range and value of perks you’ll receive as a cardholder.

    Read more: I haven’t paid for a hotel room in 10 years — here’s how I stay for free

    Free anniversary night

    The most compelling benefit of the IHG® Rewards Club 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.

    Read more: The best ways to use an IHG Rewards free night certificate — from resort villas to swanky international hotels

    IHG Platinum elite status

    The IHG® Rewards Club 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, 50% bonus points on paid bookings, free drinks in some hotels, and more.

    Read more: 11 credit cards that get you hotel elite status just by having them in your wallet

    Fourth reward night free on IHG points stays

    Cardholders also get a fourth night free on point stays of four 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® Rewards Club Premier Credit Card even further.

    Application fee credit for Global Entry, TSA PreCheck, or NEXUS

    Cardholders receive a Global Entry or TSA PreCheck fee credit of up to $100 every four years, and this perk has recently been expanded to include NEXUS (which offers expedited entry into Canada as well as Global Entry and TSA PreCheck benefits).

    Read more: Several travel credit cards have quietly added application fee credits for NEXUS — a better deal than Global Entry or TSA PreCheck

    This is a benefit that is usually included on cards with higher annual fees like the 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.

    20% discount when you purchase points with your card

    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® Rewards Club Premier Credit Card. Keep in mind this discount won’t stack with other IHG points purchase promotions.

    10,000 bonus points for meeting an anniversary spending threshold

    You can earn 10,000 bonus IHG points after you spend $20,000 on purchases and make one additional purchase at least one day after you spend $20,000 each account anniversary year.

    Car rental insurance

    When you use your IHG® Rewards Club 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 US and primary otherwise, but read the terms and conditions for country and vehicle exclusions.

    Read more: Guide to the best credit cards with primary car rental insurance

    Trip cancellation/interruption insurance

    If you’ve paid for your trip with the IHG® Rewards Club 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.

    Travel accident insurance

    When you pay for your air, bus, cruise, or train transportation with the IHG® Rewards Club Premier Credit Card, you’re eligible for accidental death or dismemberment coverage of up to $500,000.

    Lost luggage reimbursement

    When you pay for your fare with the IHG® Rewards Club 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. 

    Baggage delay insurance

    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 five days.

    Read more: 6 credit cards with the most comprehensive travel insurance — from trip cancellation to lost luggage

    Purchase protection

    If an eligible item you’ve bought with the IHG® Rewards Club Premier Credit Card is damaged or stolen within 120 days of purchase, you could be eligible for up to $500 in reimbursement per claim, and up to $50,000 per account.

    Read more: Chase credit cards offer purchase protection if a new item is damaged or stolen — here’s how to file a claim

    Extended warranty

    The IHG® Rewards Club 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.

    Travel and emergency assistance services

    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.

    Read more: 6 lesser-known credit card travel benefits that can save you thousands of dollars if things go wrong on a trip

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    125,000 bonus points and a free night certificate after spending $3,000 on purchases within the first three months of account opening

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • Anniversary reward night can be worth more than the annual fee
    Cons
    • Could offer better rewards on non-IHG purchases
    • Earn 125,000 bonus points + a Free Night after spending $3,000 on purchases in the first 3 months from account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

    Read Our Review
    Read Our Review A looong arrow, pointing right

    Fees and costs

    The IHG® Rewards Club Premier Credit Card currently has an annual fee of $89. 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® Rewards Club Premier Credit Card charges fees for balance transfers, cash advances, and late or returned payments.

    IHG Rewards Club Premier credit card — Frequently Asked Questions (FAQ)

    What credit score do you need for the IHG Rewards Premier credit card?

    Usually, most people folks who get approved for the IHG® Rewards Club Premier Credit Card have a credit score in the good to excellent range. This means a FICO score of at least 670, or a VantageScore of at least 700.

    Read more: What is a good credit score? It depends whether you’re asking VantageScore or FICO

    If your score isn’t quite there yet, read our guides on improving your credit score and how using credit cards can help boost your score.

    Is the IHG Premier card worth it?

    If you stay at IHG Hotels and Resorts even a couple of times a year, the IHG® Rewards Club Premier Credit Card is worth it for the free anniversary night alone, which can be worth much more than the card’s annual fee.

    Read more: 9 hotel credit cards that offer free nights after each account anniversary — and 7 alternatives that can save you money on stays each year

    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. That said, if you rarely stay with IHG, you may do better with a card that earns transferable points you can transfer to IHG, like the Chase Sapphire Preferred® Card, because you’ll have more flexibility in how you earn and redeem your rewards.

    Who is eligible for the IHG Premier card?

    The IHG® Rewards Club 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 an IHG® Rewards Club Premier Credit Card open, or earned the welcome bonus from one in the past 24 months.

    However, you can have other IHG credit cards, like the IHG® Rewards Club Traveler Credit Card or legacy IHG Rewards Club Select card (no longer available to new applicants), and still be eligible to apply for the IHG® Rewards Club Premier Credit Card.

    Is the IHG Premier a Visa or Mastercard?

    The IHG® Rewards Club Premier Credit Card is a World Elite Mastercard, which means it comes with great travel insurance and purchase protection, along with other perks.

    How do you get TSA PreCheck, Global Entry, or NEXUS with the IHG Premier card?

    When you use your IHG® Rewards Club 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.

    Featured credit cards from our partners

    Featured Reward

    60,000 points

    Credit Needed

    Good to Excellent

    Featured Reward

    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Credit Needed

    Good to Excellent

    Featured Reward

    1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

    Credit Needed

    Good to Excellent



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