IHG Rewards Club Premier Credit Card Review

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IHG® Rewards Club Premier Credit Card IHG® Rewards Club Premier Credit Card
Editor’s Score: (4.25/5)
Learn more externa link icon At our partner’s secure site. See Rates & Fees, Terms Apply.
IHG® Rewards Club Premier Credit Card
Editor’s Score: (4.25/5)
  • Intro bonus:
    125,000 points
  • Annual fee:
    $89
  • Regular APR:
    15.99% – 22.99% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.

NextAdvisor’s Take

Pros
  • Generous welcome bonus
  • Rewards on IHG hotel bookings and in everyday categories
  • Added travel benefits and automatic IHG Rewards Platinum Elite status
  • No foreign transaction fees
Cons
  • $89 annual fee (waived first year)
  • Few rewards redemption options outside of hotel stays at IHG properties
  • High APR for purchases
The Bottom Line
With the IHG® Rewards Club Premier Credit Card, issued by Chase, you can earn points within the IHG Rewards Club and redeem them for stays in thousands of hotels and resorts worldwide. Reward nights start at 10,000 points, and most properties don’t have any blackout dates.

Additional Card Details

  • Get a free reward night each year on your cardmember anniversary (worth up to 40,000 points)
  • Automatic Platinum Elite status with the IHG Rewards Club program
  • Earn 10,000 bonus points after you spend $20,000 each account anniversary year and make at least one additional purchase after meeting the $20,000 threshold
  • Fourth reward night free when you redeem points for four or more nights
  • Fee credit for Global Entry or TSA Precheck membership every four years
  • No foreignt transaction fees
  • Travel and purchase protections

IHG Rewards Club Premier Credit Card Full Review

Card Type

The IHG Rewards Club Premier Credit Card is a travel card that lets you earn points and redeem them for stays at IHG resorts and hotels worldwide. 

Annual Fee

The IHG® Rewards Club Premier Credit Card has an $89 annual fee, which is waived the first year.

Welcome Offer

You can earn 150,000 bonus points after spending $3,000 on purchases within three months of account opening with the IHG® Rewards Club Premier Credit Card. Your points value will vary based on where and when you book, but this is enough to cover a multi-night stay.

Rewards

You’ll earn 25x points on IHG hotel stays, based on a combination of card benefits and Rewards Club member benefits:

  • 10X points per dollar with the IHG Rewards Club Premier card
  • 10X points per dollar for being an IHG® Rewards Club Member
  • 5X points per dollar with Platinum Elite Status, which you’ll get automatically with this card

You can also earn 2x points at gas stations, grocery stores, and restaurants, and 1x points on all other purchases. Plus, you get a reward night each year on your cardmember anniversary (worth up to 40,000 points). 

Fees 

There’s an $89 annual fee and a variable APR of 15.99%-22.99%.

If you pay your statement balance late, you may incur a penalty APR up to 29.99% and a late payment or returned payment fee up to $40.

Benefits of IHG® Rewards Club Premier Credit Card

The IHG Rewards Club Premier Credit Card offers quite a few benefits outside points rewards — many geared toward IHG loyalists. 

For starters, you’ll automatically gain Platinum Elite status with the IHG Rewards Club program. Platinum Elite members receive perks like 50% boosted rewards on top of base points earned on hotel stays, along with late checkout, priority check-in, complimentary upgrades, and more. With your IHG Rewards Club Premier card, you’ll also get a reward night on your cardmember anniversary every year (worth up to 40,000 points) and your fourth reward night free when you redeem points for a stay of at least four nights.

You can earn another 10,000 bonus points after you spend $20,000 each account anniversary year and make at least one additional purchase after meeting the $20,000 threshold.

Plus, you’ll receive a fee credit for Global Entry or TSA Precheck membership, which is worth up to $100 every four years, as well as protective benefits like baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, and purchase protection against damage or theft.

Drawbacks of Benefits of IHG® Rewards Club Premier Credit Card

If you don’t frequently stay at IHG-portfolio hotels when you travel, then this card will not be helpful to you. Here are some of the hotel brands under IHG: Holiday Inn, InterContinental Hotels & Resorts, Hotel Indigo, Candlewood Suites, and more.

How to Use the IHG Rewards Club Premier Credit Card

After you’re approved for the IHG Rewards Club Premier Credit Card, start maximizing your benefits by spending at least $3,000 within three months of account opening to earn the 150,000 bonus points. Reward night redemptions with IHG start as low as 10,000 points, so this bonus alone can cover several nights.

If that $3,000 spending threshold is steeper than your normal budget allows, consider waiting to apply for this card until you’re ready to book your next trip. Book your stay with your new card to get closer to the welcome bonus, and earn bonus rewards on the purchase at the same time. Then, you’ll have that initial stash of rewards to use on future travel.

This card’s best long-term value is in the points you can earn booking stays at IHG properties. After signing up, you can earn up to 25x points on paid stays with the IHG Rewards Club — 10x points per dollar with the IHG Rewards Club Premier Credit Card, up to 10x points for being an IHG Rewards Club member (depending on the property), and up to 5x points for having Platinum Elite status.

You can also use your card at gas stations, grocery stores, and restaurants to earn additional rewards; you’ll get 2x points on these purchases. And when you travel, take advantage of the included travel protections as long as you book your auto rentals and other covered travel expenses with this card.

Despite the draws of free reward nights and elite status, make sure you’ll actually use all the benefits before you apply, and that you’ll get enough ongoing value to offset its $89 annual fee (waived in the first year). And be careful to charge only what you can afford to pay off in full each month. If you carry debt on this card, the high interest charges you pay will easily wipe out the value of your rewards.

IHG Rewards Club Premier Credit Card Compared to Other Cards

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

Editor’s Score: (4.25/5)
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Editor’s Score: (4.5/5)
  • Intro bonus:
    60,000 points
  • Annual fee:
    $95
  • Regular APR:
    15.99%-22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
Hilton Honors American Express Card

Hilton Honors American Express Card

Editor’s Score: (4.025/5)

Is IHG® Rewards Club Premier Credit Card Right for You?

The IHG Rewards Club Premier Credit Card is a solid co-branded travel credit card to consider if you prefer to stay at hotels available within IHG’s portfolio when you travel. Here are a few popular hotel brands under IHG:

  • Holiday Inn
  • Holiday Inn Club Vacations
  • Crowne Plaza Hotels & Resorts
  • InterContinental Hotels & Resorts
  • Hotel Indigo
  • Kimpton Hotels & Resorts
  • Staybridge Suites
  • Candlewood Suites

This broad range of brands and destinations can be useful whether you enjoy the unique amenities of boutique Hotel Indigo hotels or you like the reliability of planning family getaways to Holiday Inn Express properties across the country. 

Either way, this card makes most sense for people who plan to travel and stay at IHG locations at least a few times each year — otherwise, you won’t get much value from annual perks like free reward nights or the benefits of Platinum Elite status.If you don’t stay in hotels often, or you’re not partial to IHG properties, a more general travel rewards card may be a better choice for your future travel plans. Chase Ultimate Rewards points, for example, transfer to the IHG Rewards Club at a 1:1 ratio, so you can use a similarly-priced option like the Chase Sapphire Preferred® Card to rack up rewards for this program without committing to a co-branded credit card.

Pro Tip

In addition to benefits specific to your stays at IHG properties, don’t forget to take advantage of this card’s fee credit toward TSA PreCheck or Global Entry. When you charge your membership to your card, you can get reimbursed up to $100 every four years. 

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions

Is the IHG Rewards Club Premier Credit Card a metal credit card?

The IHG Rewards Club Premier Credit Card is not a metal credit card.

Does the IHG Rewards Club give a fourth night free?

If you have an IHG Rewards Club Premier credit card, you get your fourth night free when you book at least four consecutive nights with points.

Does the IHG Rewards Club have other credit cards?

Chase offers another IHG Rewards credit card — the IHG® Rewards Club Traveler Credit Card. This card offers a smaller sign-up bonus and rewards rate for no annual fee.