Yearly, you must consider what’s in your pockets and resolve which playing cards you are maintaining. Sometimes, it is best to make that call earlier than the subsequent annual price is due.
Among the many issues you must contemplate are how a lot the annual price prices and what sort of worth you are getting out of a card. And bear in mind, even when a card has a decrease annual price, that does not robotically imply it is price maintaining.
The IHG One Rewards Premier Credit score Card (see charges and costs) is a well-liked lodge card with a $99 annual price, however is it price a spot in your pockets? Here is what you must know earlier than selecting.
Welcome supply
New candidates for the IHG Premier card can earn 5 free nights (valued at as much as 300,000 factors) after spending $5,000 on purchases within the first three months from account opening. Supply ends July 23.
This bonus is price as much as $1,500, based on TPG’s June 2025 valuations.
Word you could’t get this bonus should you at the moment have a private IHG bank card, such because the IHG One Rewards Traveler Credit score Card (see charges and costs), or should you’ve acquired a welcome bonus on any IHG private bank card prior to now 24 months.
You may redeem your factors for luxurious stays at resorts just like the InterContinental Maldives Maamunagau Resort or budget-friendly properties just like the Vacation Inn Agra — the town in which you’ll go to the Taj Mahal.
Associated: The last word information to bank card utility restrictions
Annual free evening award
On every account anniversary, you may obtain a free evening award price as much as 40,000 factors, legitimate for bookings with IHG One Rewards. If you wish to redeem it for a lodge that prices extra, you possibly can prime it up with factors out of your account.
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This free evening award can be utilized for as much as $200 in worth, per TPG’s June 2025 valuations, that means this profit alone may justify the cardboard’s annual price of $99.
Associated: The right way to use the IHG One Rewards anniversary evening certificates
United TravelBank Money
In January and July, you may obtain $25 credit to your United TravelBank Money steadiness. These funds can be utilized to buy flights operated by United and United Specific.
These credit can scale back your out-of-pocket prices when shopping for money fares, however they do have limitations:
- They expire about six months after they’re deposited, i.e., on July 15 and Jan. 15.
- Funds can’t be used to pay taxes and costs on award journey or for inflight purchases.
- TravelBank funds can’t be mixed with vouchers from canceled flights.
Nonetheless, should you can maximize this profit, you may simply justify over half the cardboard’s annual price.
Associated: The 5 best journey credit to redeem
Computerized standing
Cardholders will take pleasure in complimentary Platinum Elite standing with the IHG Premier card, which is the second-highest tier within the IHG One Rewards program.
Advantages at this degree embrace:
- Complimentary upgrades at check-in (primarily based on availability)
- Early check-in and late checkout, topic to availability
- A welcome amenity of both factors or a drink and snack
- Assured room availability inside 72 hours
Associated: So, what precisely is elite standing in journey — and the way can I get it?
Fourth evening free on award stays
IHG cardholders can even use the fourth evening free profit when redeeming factors for award stays with IHG.
When utilizing factors to cowl a keep of 4 nights or extra, every fourth evening is free. The worth of this profit will differ primarily based on how usually you employ it and the value of the resorts the place you employ it.
Different perks
Cardholders earn 10 factors per greenback spent at IHG when paying for a stick with the IHG Premier card. This implies they’ll web as much as 26 factors per greenback spent after they earn a further 10 factors per greenback spent for being IHG One Rewards members on prime of 6 factors per greenback spent because of their Platinum elite standing (a profit that comes with this card).
You will additionally earn 5 factors per greenback spent on journey, resorts, fuel stations and eating (together with takeout and eligible supply companies) and three factors per greenback spent on different purchases.
That quantities to a 13%, 2.5% and 1.5% return on spending, respectively, primarily based on TPG’s June 2025 valuations.
Different key advantages embrace reimbursement (as soon as each 4 years) in your utility price to International Entry, TSA PreCheck or Nexus and a 20% low cost on factors purchases (although this cannot be added to different gross sales on IHG factors).
You will additionally earn a $100 assertion credit score and 10,000 bonus factors after spending $20,000 on purchases in your card in a calendar yr.
The IHG Premier card additionally presents useful journey and purchasing protections. You will take pleasure in journey cancellation and interruption insurance coverage and buy safety.
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Backside line
If you should utilize this card’s perks for common worth (or higher), you shouldn’t have any downside justifying its annual price and maintaining it in your pockets.
But when your IHG stays are rare and you do not make the most of the cardholder advantages that include the IHG Premier card, then the $99 annual price will not be price it.
For extra particulars, learn our full overview of the IHG One Rewards Premier.
Apply right here: IHG One Rewards Premier Credit score Card
