IHG One Rewards Premier Credit score Card assessment: Full particulars

IHG One Rewards Premier Credit score Card overview

The IHG One Rewards Premier Credit score Card presents many useful perks for frequent IHG vacationers. With an annual payment of $99, nonetheless, you might not get sufficient ongoing worth from this card if IHG One Rewards is not your main lodge loyalty program. Card Ranking*: ⭐⭐⭐⭐

*Card Ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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The IHG One Rewards Premier Credit score Card presents lots of perks for vacationers who ceaselessly stick with IHG. For instance, you may get automated Platinum Elite standing so long as you are a cardholder. The cardboard additionally presents a singular fourth-night-free reward perk that permits cardholders to pay zero factors for each fourth evening when redeeming factors for award stays of 4 nights or longer.

With a stable return on IHG spending and loads of perks, IHG One Rewards loyalists will profit from this card. Even vacationers who solely stick with IHG a number of instances a 12 months could get ample worth from the IHG Premier Card.

One perk alone — the anniversary free evening every year, legitimate for an evening costing as much as 40,000 factors — can simply present sufficient worth so that you can justify paying the IHG Premier’s annual payment every year. Premier cardmembers may also high off their award nights with factors, permitting you to make use of the certificates to remain at higher-priced lodges just like the Six Sense Laamu within the Maldives.

Observe that the beneficial credit score rating for this card is not less than 670. Now, let’s take a look at whether or not the IHG Premier Card is an effective alternative for you.

IHG One Rewards Premier execs and cons

IHG One Rewards Premier welcome supply

New IHG One Premier Card cardholders can earn 140,000 bonus factors after spending $3,000 on purchases within the first three months of account opening.

TPG’s January 2025 valuations peg IHG factors at 0.5 cents every, making this bonus price $700.

Observe that you simply will not be eligible for this card (or its bonus) for those who at present have any IHG private bank card or have earned a welcome bonus on one other IHG private bank card throughout the final 24 months.

Nonetheless, this rule does not apply to holding the IHG One  Rewards Premier Enterprise Credit score Card or bonuses earned on that card.

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IHG One Rewards Premier advantages

The IHG One Premier Card carries a comparatively modest $99 annual payment. Nonetheless, the cardboard’s precise worth hinges on whether or not you may use the advantages ceaselessly sufficient to justify that annual payment. This is an outline of the cardboard’s primary IHG-related perks:

Anniversary free evening: Cardholders obtain a reward evening certificates legitimate for a one-night lodge keep at a property costing as much as 40,000 factors. This profit is annual, beginning on the primary account anniversary. Though IHG makes use of dynamic award pricing, discovering an interesting redemption choice on your certificates is not tough. For instance, I’ve redeemed anniversary free evening certificates for stays on the InterContinental Buenos Aires, InterContinental Madrid and Kimpton De Witt.

Observe that you need to use a vast variety of factors to high off this certificates and use it for higher-priced properties. For instance, you’ll be able to ebook a room priced at 55,000 factors utilizing the free evening plus 15,000 factors out of your IHG One Rewards account.

Complimentary IHG Platinum Elite standing: IHG One Rewards Platinum Elite members get pleasure from 60% bonus earnings on paid stays when reserving straight with IHG One Rewards, room upgrades primarily based on availability at check-in, a welcome amenity and several other different perks. There’s additionally a pathway to Diamond Elite standing after spending $40,000 on the cardboard in a calendar 12 months.

Fourth-night-free reward: While you redeem factors for a keep of 4 nights or longer, you may pay zero factors for each fourth evening. If you’ll find 4 nights of consecutive award area at a property you want, this may be a good way to stretch your factors even additional. In fact, the worth of this perk depends upon how ceaselessly you redeem IHG factors for stays of 4 nights or extra.

10,000 bonus factors after spending $20,000: You may earn 10,000 bonus factors and a $100 assertion credit score after spending $20,000 in a calendar 12 months. Primarily based on TPG’s January 2025 valuations, these bonus factors are price $50; mixed with the assertion credit score, this bonus may be price as much as $150. Nonetheless, take into account whether or not you may realistically spend $20,000 in your card throughout your account anniversary 12 months — particularly for those who can in any other case put these purchases on an on a regular basis spending card with a greater incomes fee.

20% off when shopping for IHG factors: Save 20% in your buy of IHG factors while you pay along with your IHG Premier Card. Nonetheless, this low cost does not stack with different reductions when IHG places factors on sale. Observe that these factors are thought of non-qualifying and won’t rely towards elite qualification, so the worth will probably be minimal for many cardholders.

Moreover, IHG Premier cardholders get pleasure from the next normal perks when utilizing their card:

These advantages might be a critical issue when selecting a brand new bank card. Nonetheless, as mentioned within the subsequent part, you will not get a excessive return fee on most purchases with the IHG Premier Card.

Associated: Final-minute methods for incomes IHG One Rewards elite standing

Incomes factors on the IHG One Rewards Premier

Lodge bank cards are typically weak on the incomes entrance, however this card’s incomes fee at IHG lodges is fairly stable.

You may earn 10 factors per greenback spent at IHG lodges and resorts. And, while you mix the ten factors per greenback spent through the use of your card with the factors you may earn as an IHG Platinum Elite, you may earn 26 factors per greenback spent on most IHG stays.

As well as, cardmembers earn 5 factors per greenback spent on journey, eating (together with takeout and eligible supply) and gasoline purchases, plus 3 factors per greenback spent on all different purchases. It is a first rate return for these bonus classes however is well crushed by many different playing cards.

Associated: 7 methods to earn IHG One Rewards factors

Redeeming factors on the IHG One Rewards Premier

IHG One Rewards doesn’t have an award chart. As an alternative, it makes use of dynamic award pricing. IHG’s web site states that nights begin at 10,000 factors, though we have seen nights priced as little as 5,000 factors.

And though there is not any said most, the best I’ve seen is 120,000 factors per evening (excluding Six Senses, which ceaselessly prices extra).

However, even with IHG’s dynamic award pricing, it is nonetheless attainable to maximize IHG One Rewards redemptions. And, with somewhat little bit of looking out, you’ll be able to typically redeem IHG One Rewards factors for a better worth than 0.5 cents per level.

You can also combine factors and money on your award stays. In some circumstances, this will present good worth. While you ebook this manner, IHG sells you the additional factors after which debits your account for the total variety of factors.

It is also price mentioning the IHG Premier’s fourth-night-free reward perk once more. TPG bank cards editor Emily Thompson takes benefit of this perk as typically as attainable to maximise her IHG One Rewards factors.

Lastly, some vacationers imagine IHG’s coverage on blackout dates makes it one of many weaker lodge packages for award evening availability. The phrases and circumstances of the IHG One Rewards program be aware the next:

There are not any blackout dates for Reward Nights, nonetheless, room stock is restricted and topic to prior sale.

So, whereas there are not any blackout dates per se, lodges can restrict the variety of rooms they make accessible for award bookings.

One TPG reader beneficial the IHG One Rewards Premier as a result of they get pleasure from staying with IHG lodges, discovering worth in a cobranded card with a program they like:

“IHG Premier as a result of I prefer to kind [sic] of lodges they provide (rooms with kitchens) and I keep in lodges rather more than I fly.” — Donna P by way of a TPG publication survey

Observe: Reader-submitted responses haven’t been edited, reviewed or accepted by the issuers nor replicate TPG’s opinions of those playing cards.

Transferring factors on the IHG One Rewards Premier

IHG One has practically 40 airline switch companions, however we do not advocate utilizing your factors this manner. Factors switch at an almost 5:1 ratio, which is on the decrease facet. Plus, transfers from IHG have been identified to take an prolonged time frame.

You may as well switch your factors to different IHG One Rewards members, beginning at $5 per 1,000 factors. Nonetheless, these transfers are free for Diamond and IHG Enterprise Rewards Program members as much as 500,000 factors per calendar 12 months.

Associated: Now you’ll be able to switch IHG factors to others without cost: This is how

Which playing cards compete with the IHG One Rewards Premier?

For those who’re loyal to IHG, a card from one other lodge model may not advantage your consideration. Nonetheless, one other card would possibly higher fit your wants.

For added choices, take a look at our full record of the greatest lodge bank cards.

Associated: One of the best bank card for IHG stays

Is the IHG One Rewards Premier price it?

For those who’re an IHG loyalist, you may simply get sufficient from this card’s advantages to justify the $99 annual payment. The anniversary evening alone may cowl the annual payment. Nonetheless, those that solely sometimes keep at IHG properties will probably choose a card with totally different advantages.

Backside line

For those who’re a loyal IHG traveler trying to profit from IHG One Rewards, having the IHG One Rewards Premier Credit score Card is sensible.

In any case, the cardboard supplies perks like automated Platinum Elite standing, a fourth-night-free reward on award stays of 4 or extra nights and a big bonus multiplier for IHG stays. Nonetheless, some would possibly discover this is not the one for his or her journey and spending habits.

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Apply right here: IHG One Rewards Premier Credit score Card

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