Whether or not you keep at IHG lodges and resorts a number of occasions annually or weekly, you need to significantly think about the IHG One Rewards Premier Credit score Card.
This card presents a compelling welcome bonus to draw new cardholders. It’s also one among my favourite playing cards to maintain long-term on account of its many perks, which may simply offset its modest $99 annual price.
This is why I really like my IHG One Rewards Premier card and plan to maintain it in my pockets for the foreseeable future.
Welcome provide
For a restricted time, the welcome provide for the IHG One Rewards Premier Credit score Card is 170,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.
Based mostly on TPG’s February 2025 valuations, the 170,000 bonus factors are value $850. Nonetheless, because the IHG One Rewards loyalty program makes use of dynamic award pricing, the variety of nights you possibly can redeem your factors will range.
Be aware that the IHG One Rewards Premier card and its welcome bonus aren’t accessible in case you are a:
- Present cardmember of any private IHG One Rewards bank card
- Earlier cardmember of any private IHG One Rewards Credit score Card and obtained a brand new cardmember bonus inside the final 24 months
The Chase 5/24 rule may additionally stop you from being accredited for a brand new Chase bank card. Think about calculating your 5/24 standing earlier than making use of.
Associated: Is the IHG One Rewards Premier card definitely worth the annual price?
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Anniversary night time
Even should you do not spend many nights in lodges or favor a unique lodge loyalty program, the IHG One Rewards Premier Credit score Card should still be value its $99 annual price. In spite of everything, most cardholders can get greater than $99 of worth annually from one profit: the IHG anniversary night time certificates you obtain after every account anniversary.
You need to use the anniversary night time for an evening with a redemption price of 40,000 factors or much less. If you want to make use of these factors towards a keep value greater than 40,000 factors, you possibly can add factors out of your IHG One Rewards account to prime your account for the redemption. You should redeem your night time and full your keep inside 12 months of the free night time’s situation date.
I’ve gotten good worth from my anniversary nights over time. And so long as you are getting greater than $99 of worth out of your anniversary night time certificates annually, retaining the IHG One Rewards Premier card long-term possible is sensible — particularly when you think about the cardboard’s different perks.
Associated: The perfect IHG lodges on the planet
Fourth-night reward perk
My favourite perk of the IHG One Rewards Premier Credit score Card is the “redeem three nights, get fourth reward night time free” profit. Briefly, this perk permits you to pay zero factors for each fourth night time once you redeem IHG factors for a keep of 4 nights or longer.
Let us take a look at an instance. For the next keep, I would pay zero factors for my fourth night time because of the IHG fourth-night reward perk.
This perk additionally works for longer stays. For instance, here is an eight-night keep throughout which my fourth and eighth nights would price zero factors after the fourth-night reward perk.
Each fourth night time will price zero factors no matter whether or not these nights are the most affordable or most costly of your keep. You need to use this profit a vast variety of occasions. So, should you ceaselessly redeem IHG factors for stays of 4 nights or longer, this card profit will possible prevent a big quantity of factors.
Associated: How a lot worth does IHG One Rewards standing present once you e book instantly?
Different priceless advantages
The IHG One Rewards Premier Credit score Card presents different helpful advantages to cardholders, together with:
- Computerized IHG Platinum Elite standing for so long as you retain your IHG One Rewards Premier card
- The power to earn Diamond Elite standing by means of the top of the next calendar yr throughout any calendar yr you make a minimum of $40,000 in purchases along with your IHG One Rewards Premier card
- No overseas transaction charges
- A International Entry, TSA PreCheck or Nexus credit score of as much as $120 each 4 years as reimbursement for an software price charged to your card
- A $25 United Airways TravelBank money deposit in your MileagePlus account twice a yr (on or round Jan. 5 and July 5) when you full a one-time registration for this perk
- Earn a $100 assertion credit score and 10,000 bonus factors every calendar yr you make a minimum of $20,000 in purchases
Plus, you may earn 10 factors per greenback at lodges collaborating in IHG One Rewards, 5 factors per greenback on different journey and lodges, fuel stations and eating at eating places (together with takeout and eligible supply companies), and three factors per greenback spent on different purchases along with your card.
Associated: The perfect lodge bank cards with annual charges underneath $100
Backside line
Upon getting the IHG One 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 annually. As such, I imagine the IHG One Rewards Premier card is efficacious to get and preserve long-term.
Try our full IHG One Rewards Premier Credit score Card evaluate for extra particulars.
Apply right here: IHG One Rewards Premier Credit score Card
