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It’s Worth It: Two Ways My IHG Credit Card Paid For Itself This Past Week

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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.


I booked a couple of trips this week for my family — and the IHG Rewards Club Premier Credit Card reminded us why it’s such a good fit for our travel needs.

The card’s Fourth Night Free and annual Anniversary Night benefits came in very handy — and have us looking forward to our trips even more so than before!

Here’s how everything worked.

Fourth Night Free Benefit

One of our trips involves my wife, daughter, and me. We’ve visiting family members in the Midwest — some of whom we haven’t seen in about 18 months. (Everyone but two children will be fully vaccinated then.)

We reserved a stay at a decent Holiday Inn. The kids love the pool, the hotel has a great restaurant (true story!), it’s near several other restaurants, and close to other areas we enjoy visiting.

**RELATED: Why the IHG Premier Card is Great (Especially for Families)

Award nights cost 12,500 points each for the dates we wanted. We’re staying four nights — which “should” run a total of 50,000 points, right?

And that’s where the IHG Rewards Club Premier Credit Card came in.

Cardholders are entitled to a “Fourth Night Free” perk. This means that when you book three consecutive nights of an award stay, you’re entitled a complimentary night. We’re getting a four-night stay for a three-night redemption price. Our total room cost? 37,500 points.

Fourth night free stay at a Holiday Inn, thanks to the IHG Rewards Club Premier Credit Card.Fourth night free stay at a Holiday Inn, thanks to the IHG Rewards Club Premier Credit Card.

This hotel is currently charging $94/night (before tax) for rooms. So the IHG Rewards Club Premier Credit Card‘s $89 annual fee was already recouped — and then a few bucks more.

Now consider that the IHG Rewards Club Premier Credit Card currently offers 125,000 bonus points when you spend $3,000 on purchases within the first three months of being approved for it. See how the Fourth Night Free can come in handy? Then pair it with some Chase Ultimate Reward cards and you can enjoy a bunch of IHG nights.

But, wait! There’s more!

Anniversary Night Certificate Redemption

My wife and I booked a quick weekend getaway for a weekend this summer.

Both of us have IHG credit cards (the Premier Card and the O.G. Select card). So we each used an annual anniversary night to book one-night stays at a Hotel Indigo.

Free anniversary night at a Hotel Indigo, thanks to the IHG Rewards Club Premier Credit Card.

Rooms at this hotel are going for $135 night before tax. So, again, we came out well ahead of the card’s $89 annual fee.

IHG Rewards Club Premier Credit Card

Aside from room charges during IHG stays and the occasional Chase Offer, we don’t really put any everyday spending on our IHG Rewards Club Premier Credit Card

Why?

We still have a bunch of points from the IHG MasterCard mail-in promotion a few years ago as well as the IHG Rewards Club Premier Credit Card‘s big welcome offers. And paid work trips end up getting us a few points, too.

IHG Rewards Club Select Credit Card at https://renespoints.boardingarea.com/ihg-rewards-club-premier-credit-card
Learn how to apply for the IHG Rewards Club Premier Credit Card

So why do we even bother holding the card? Its perks make it a must-have for us:

  • Complimentary IHG Platinum Elite status
    • Room upgrades (when available)
    • Guaranteed room availability
    • Complimentary Internet
    • Priority check-in (when available)
    • Late check-out (when available)
    • Welcome amenity (usually 500 points or a free alcoholic beverage)
    • $30 In-room spa credit (where available)
  • Free anniversary night at IHG properties valued at 40,000 or fewer points. (Benefit available beginning the second year of card membership.)
  • Fourth night free on award stays
  • $100 Global Entry or TSA Pre√ application credit every four years.
  • No foreign transaction fees

Given IHG’s massive global footprint, it’s not hard finding properties for us to enjoy.

Final Approach

Again, this about why the IHG card works well for my family. I fully expect people to jump down my throat after IHG made some “What the…?!” devaluations. I truly hope the company rethinks its pricing here — especially because it said it’s all about focusing on the mid-tier hotels.

The IHG Rewards Club Premier Credit Card is fantastic for my family’s travel needs. The Fourth Night Free and annual anniversary night benefits absolutely make holding the card worth the $89 annual fee. Our family almost always enjoys our stays at IHG properties — and when we can do so using just points and certificates, that’s even better!

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.

8 Comments

  1. Chris….slightly off topic but can my 19 year old daughter get the TSA pre-check using my wife’s Premier card? My wife already has TSA pre-check so don’t know if non-card holder can use it for this purpose. $100 Global Entry or TSA Pre√ application credit every four years.

  2. Chris, did you snag these redemptions before or after the massive IHG devaluation of the past few days? Since IHG has been radio silent, still hoping its a glitch, but if not it makes these cards much less valuable.

    • Hi, Kurt! I made them just before the devaluation. But I checked the properties late Saturday and the prices were still the same as they were earlier in the week.

  3. Michael R Karpiel Reply

    Just want to add that my wife and I each have the OLD Select card $49 AF along with the Premier card $89 AF. So we get 4 nights of free certs per year. Plus the Premier gives you the 4th. night free and the Select gives you 10% back of points that you redeem.

    Of course the Select card is no longer offered so it’s not something that you can get now but there are many of us that have both cards.

    Still I’m not happy with the devaluation but I do have several IHG properties (IC and Kimpton) booked before the devaluation and they are coming in at just under 1cent per point redemption.

    • Thanks for the comment, Michael. My wife and I have the same “IHG card arsenal” (if you will) as you and your wife.

      We really hope IHG reverses course and comes to its senses on the devalued redemptions at some properties.

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