Credit Cards

8 Reasons Why You Should Get the IHG Rewards Club Premier Credit Card

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Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Chase announced several big bonuses last week across both IHG credit cards — the Rewards Club Premier and Rewards Club Traveler.

But two perks, in particular, made us go “Whoa!” when it came to the IHG Rewards Club Premier Credit Card.

So with that in mind, let’s check ’em out — and six more reasons you should get the IHG Rewards Club Premier Credit Card.

Annual Fee Waived the First Year

The IHG Rewards Club Premier Credit Card‘s $89 annual fee is complimentary for the first year you hold the card. (This is one of the “Whoa!” announcements.) This hasn’t happened before with this card — and what a great money-saving perk it is.
This is especially a nice addition — considering you get an anniversary night beginning the second year you hold the card. (We’ll discuss that in a minute.)
A double bed is seen inside a room at the Holiday Inn Express London Heathrow T4 (LHR airport hotel) in Hounslow, United Kingdom.
The Holiday Inn Express London Heathrow T4 LHR airport hotel (read my review)

140,000 Bonus IHG Points

New cardholders who sign up for this welcome offer receive 140,000 bonus points after spending $3,000 on purchases within three months of being approved.

This matches the highest offer we’ve ever seen for this card (and is the other “Whoa!” factor). When the card debuted, I received only 120,000 for my welcome bonus. I’m downright jealous of folks eligible for this offer! 🙂

The Strings by InterContinental Tokyo
The Strings by InterContinental Tokyo
IHG points are admittedly not the highest value points currency out there. Most people value them between 0.5 – .9 cents each. I think it’s fair to say they’re worth ~.7 cents each. (Like most loyalty programs, you can get higher and lower redemptions.) But even by that valuation, 140,000 bonus points is worth about $980. So you still come out ahead for about 12 years of card membership (annual fee-wise).

The IHG Rewards Club Premier Credit Card from Chase

Fourth Night Free on Award Stays

This really helps you stretch your vacation budget.

When using points to pay for a stay of four nights (or more), your IHG Rewards Club account is charged for only three nights!

For example, if you book a four-night at a property valued at 40,000 points, you’ll end up spending only 120,000 points. (3 nights x 40,000 points = 120,000; no charge for the fourth night.)

InterContinental Los Angeles Century City
InterContinental Los Angeles Century City (read Rene’s review)

Complimentary IHG Platinum Elite Status

This perk is one reason I hold the card.
IHG Rewards Club Premier Credit Card members receive complimentary Platinum status with IHG (as long as they hold the card). This entitles members to:
  • Room upgrades
  • Priority check-in
  • Complimentary internet
  • Welcome amenity (usually a drink in the bar or bonus points)
  • $30 In-room spa credit

You can occasionally finesse the front desk into giving you a complimentary late check out — but don’t expect anything too grand. (Like, be elated if you’re given a 2:00 PM check out.)

This is also a cheap way to get an upper-tier status you can use for status matches.

My wife and I have enjoyed a few nice upgrades thanks to our Platinum Elite status.
The dining room in a hospitality suite at the Holiday Inn Lake Elmo near St. Paul, Minnesota.
The dining room of our hospitality suite at the Holiday Inn Lake Elmo near St. Paul, Minnesota.

Annual Anniversary Night (Starting Year Two)

This is another major reason I hold this card.

Beginning the second year of membership, IHG Rewards Club Premier Credit Card holders receive a “complimentary” anniversary night they can use at IHG properties valued at 40,000 or fewer points.

I say “complimentary” because is the room free if you’re paying an annual fee? Nope.

But, still, a decent nice hotel room for $89 is still a good deal.

What makes this particular welcome offer sweeter than others is you don’t “burn” a year of the annual fee (i.e. year one) without receiving an anniversary night.

IHG Rewards Club Premier Credit Card Read more at: https://www.cardratings.com/bestcards/featured-credit-cards?&shnq=4048106&CCID=20397089204652871&QTR=ZZf201804051239590Za20397089Zg255Zw0Zm0Zc204652871Zs7273ZZ&CLK=799190716215738620&src=662932&&exp=y Copyright © CardRatings.com
Learn how to apply for the IHG Rewards Club Premier Credit Card

25X Points During IHG Stays

You’ll earn a total of 25 points per eligible dollar spent when using your IHG Rewards Club Premier Credit Card to pay for stays at IHG hotels.
So if you spend, say, $200 on room rates and charges during a stay, you’ll earn 5000 IHG points.

Global Entry and TSA Pre√ Application Credit

Many travel cards are jumping on the Global Entry and TSA Pre√ application credit bandwagon. You’ll receive up to $100 in statement credit when you pay for a Global Entry or TSA Pre√ application fee every four years.

Global Entry and APC Kiosks, located at international airports across the nation, streamline the passenger's entry into the United States. Photo by James Tourtellotte
Photo by James Tourtellotte

Even if you already have Global Entry or TSA Pre√, remember you can gift the benefit to someone else!

Perfect for Families

The IHG Rewards Club Premier Credit Card is a fantastic option for families with children (or grandchildren). Many IHG properties have pools. Kids LOVE pools.

The 140,000 bonus points buy you several nights (at least) at most Holiday Inns and Holiday Inn Expresses. And that fourth night free on award stays helps make family vacations a little easier on the wallet.

Platinum status room upgrades are nice and give everyone a little more space. And the welcome amenity cocktail (at properties with bars) might be a treat for parents needing a quick refreshment 😉 .

Pool area at the Holiday Inn Fargo
Pool area at the Holiday Inn Fargo

Downsides?

Like many people, I, too, miss the days of the uncapped anniversary night, mourn the loss of Accelerate, and lament the demise of PointBreaks.

Spoiler alert: those perks and programs probably aren’t coming back, no matter how much we wish they would.

And, yes, IHG’s North American footprint is smaller by about 100 properties. But there are still plenty of IHG hotels to enjoy. My family does several times a year.

The only time I really spend anything on my IHG Rewards Club Premier Credit Card is during stays at IHG hotels. With that 25X exception, other points earnings (2X at gas stations, grocery stores, and restaurants) aren’t better than what I can get with other cards.

But I still hold the card!

Final Approach

I love the IHG Rewards Club Premier Credit Card‘s current welcome offers of 140,000 bonus points and a waived annual fee. You can get a lot of enjoyment out of those perks alone.

The free fourth night benefit is fantastic — and helps make vacations a little more affordable. So is the IHG Platinum Elite status and Global Entry application credit.

Both my wife and I each have IHG Rewards Club Premier Credit Cards — and plan to keep them for a long time.

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

2 Comments

    • I hold both the old IHG Select Mastercard and IHG Rewards Club Premier Card because it essentially gets me two decent hotel room nights for $138 in annual fees each year. (My wife does, too, so $276 scores us four annual nights.)

      The 140,000 bonus points on this welcome offer are pretty great, too, IMHO.

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