There are many journey rewards playing cards vying to your consideration, however considered one of my favourite playing cards is the IHG® Rewards Premier Credit score Card.
The IHG Rewards Premier card provides a compelling sign-up bonus to draw new cardholders. The cardboard can be a superb choice to preserve long-term because of its many perks that may simply offset its modest $99 annual price. This is why I really like the IHG Rewards Premier card and plan to maintain it in my pockets for the foreseeable future.
The IHG Rewards Premier Credit score Card is at present providing its best-ever sign-up bonus of 175,000 bonus factors after spending $3,000 within the first three months of account opening. Based mostly on TPG’s valuations, 175,000 IHG factors are price about $875.
IHG One Rewards makes use of dynamic award pricing, so the variety of award nights you will get from 175,000 factors will rely completely on when and the place you wish to redeem your factors.
Word that the IHG Rewards Premier card and its sign-up bonus aren’t out there if you’re a:
- Present cardmember of any private IHG Rewards Credit score Card.
- Earlier cardmember of any private IHG Rewards Credit score Card, and also you acquired a brand new cardmember bonus for a private IHG Rewards Credit score Card throughout the final 24 months.
Chase’s 5/24 rule can also forestall you from being accepted for a brand new Chase card. Try our put up on calculating your 5/24 standing for extra data.
Associated: Is the IHG Rewards Premier card definitely worth the annual price?
Anniversary night time
Even when you do not spend many nights in motels or choose a special resort loyalty program, the IHG Rewards Premier Credit score Card can nonetheless be price its $99 annual price every year. In spite of everything, most cardholders can get greater than $99 of worth every year from one profit: the anniversary night time you obtain after every account anniversary.
You should use the anniversary night time for an evening with a redemption price of 40,000 factors or much less. However you too can add-on factors out of your IHG Rewards account to redeem for an evening costing greater than 40,000 factors. It’s essential to redeem your night time and full your keep inside 12 months of the free night time’s difficulty date.
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I’ve gotten good worth from my anniversary nights over time. For instance, I am scripting this story throughout a keep on the Kimpton De Witt in Amsterdam that I booked utilizing a number of anniversary free nights. The award price on my nights was 40,000 factors, whereas the paid price would have been about $281 per night time. Even ignoring the paid price, I used to be glad to commerce a number of anniversary nights to remain at this Kimpton close to Amsterdam Centraal.
However you too can get sufficient worth out of your anniversary night time to justify the cardboard’s annual price nearer to residence. Though discovering nights costing lower than $99 in lots of U.S. cities is changing into much less frequent, you will nonetheless typically discover IHG award nights for 40,000 factors or much less.
There are lots of alternative ways to make use of the anniversary night time. However so long as you are getting greater than $99 of worth out of your anniversary night time every year, protecting the IHG Rewards Premier card long-term doubtless is smart — particularly when you contemplate the cardboard’s different invaluable perks.
Associated: The 19 finest IHG motels on this planet
Fourth-night reward perk
My favourite perk of the IHG Rewards Premier Credit score Card is the “redeem three nights, get fourth reward night time free” profit. In brief, this perk helps you to pay zero factors for each fourth night time if you redeem IHG factors for a keep of 4 nights or longer.
Let’s take a look at an instance. For this keep on the InterContinental Phuket Resort in Thailand, I may pay a median of 27,250 factors per night time (as a substitute of 37,750 factors per night time) as a result of fourth-night reward perk.
This perk additionally works for longer stays. For instance, here is an eight-night keep the place two nights would value zero factors after the fourth-night reward perk. (Word that the primary and fourth traces within the screenshot beneath pool two nights collectively as they’re all priced at 11,000 factors every.)
You should use this profit a limiteless variety of instances and for longer stays. For instance, you will obtain the fourth, eighth and twelfth nights free on a 12-night keep. And it’ll at all times be these nights which are free, no matter whether or not these nights are the most affordable or costliest of the entire keep.
For instance, on a four-night keep the place the nights are priced at 10,000 for every of the primary three nights and 12,000 on the fourth night time, that fourth night time might be free regardless that it is priced the very best.
Most vacationers will solely use this perk just a few instances a yr, however I’ve benefited from over 35 fourth-night rewards up to now six years. For those who continuously redeem IHG factors for stays of 4 nights or longer, this card profit will doubtless prevent a major quantity of factors.
Associated: What’s IHG One Rewards elite standing price?
Different invaluable advantages
The IHG Rewards Premier card contains a number of different invaluable perks. For instance, the cardboard earns 10 factors per greenback spent at IHG motels and resorts, a return of 5% primarily based on TPG’s valuations. The IHG Rewards Premier card additionally earns 5 factors per greenback spent on purchases at gasoline stations, on different journey and at eating places and three factors per greenback spent on all different purchases.
Plus, the IHG Rewards Premier card provides the next advantages:
- Automated IHG One Rewards Platinum Elite standing for so long as you retain your IHG Rewards Premier card.
- Earn IHG One Rewards Diamond Elite standing by means of the top of the next calendar yr throughout any calendar yr you make purchases totaling $40,000 or extra along with your IHG Rewards Premier card.
- Save 20% on factors purchases if you pay along with your IHG Rewards Premier card. You may’t mix this low cost with every other factors buy provides, although. So, you will usually do higher ready for an IHG purchase factors promotion as a substitute of saving 20% by means of this perk.
- No international transaction charges.
- Get a International Entry, TSA PreCheck or Nexus credit score of as much as $100 each 4 years as reimbursement for an software price charged to your card.
- Earn a $100 assertion credit score and 10,000 bonus factors any calendar yr you spend at the least $20,000 in purchases.
- Get a $25 United TravelBank money deposit in your United MileagePlus account twice a yr (on or round Jan. 1 and July 1) when you full a one-time registration for this perk.
Platinum Elite standing will get you some helpful perks if you keep at IHG motels, together with extra bonus factors on paid stays and complimentary upgrades (topic to availability and on the resort’s discretion).
Associated: One of the best resort bank cards with annual charges below $100
The IHG® Rewards Premier Credit score Card is at present providing its best-ever sign-up bonus of 175,000 bonus factors after spending $3,000 within the first three months of account opening. Based mostly on TPG’s valuations, these bonus factors are price $875.
And after you have the IHG Rewards Premier card, two card advantages — the anniversary night time certificates and the fourth-night-reward perk — ought to present considerably extra worth than the $99 annual price every year. As such, I consider the IHG Rewards Premier card is a invaluable card to get after which preserve yr after yr.
Try our full IHG Rewards Premier Credit score Card evaluation for extra particulars.
Official software hyperlink: IHG® Rewards Premier Credit score Card