IHG One Rewards Premier Credit score Card overview
The IHG One Rewards Premier Credit Card affords many helpful perks for frequent IHG vacationers. With an annual payment of $99, nevertheless, you could not get sufficient ongoing worth from this card if IHG One Rewards is not your main lodge loyalty program. Card Ranking*: ⭐⭐⭐⭐
*Card Rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The IHG One Rewards Premier Credit Card affords quite a lot of perks for vacationers who continuously stick with IHG. For instance, you may get automated Platinum Elite status so long as you are a cardholder. The cardboard additionally affords a singular fourth-night-free reward perk that enables cardholders to pay zero factors for each fourth night time 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 couple of occasions a yr might get ample worth from the IHG Premier Card.
One perk alone — the anniversary free night 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 also can high off their award nights with factors, permitting you to make use of the certificates to remain at higher-priced motels just like the Six Sense Laamu within the Maldives.
Word that the really helpful credit score for this card is at the least 670. Now, let us take a look at whether or not the IHG Premier Card is an effective alternative for you.
IHG One Rewards Premier professionals and cons
| Professionals | 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.
Word that you just will not be eligible for this card (or its bonus) when you presently have any IHG private bank card or have earned a welcome bonus on one other IHG private bank card throughout the final 24 months.
Each day Publication
Reward your inbox with the TPG Each day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Nevertheless, this rule does not apply to holding the IHG One Rewards Premier Business Credit Card or bonuses earned on that card.
Associated: The best time to apply for these popular Chase credit cards based on offer history
IHG One Rewards Premier advantages
The IHG One Premier Card carries a comparatively modest $99 annual payment. Nevertheless, the cardboard’s precise worth hinges on whether or not you may use the advantages continuously sufficient to justify that annual fee. This is an outline of the cardboard’s predominant IHG-related perks:
Anniversary free night time: Cardholders obtain a reward night time 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 possibility to your certificates is not troublesome. For instance, I’ve redeemed anniversary free night time certificates for stays on the InterContinental Buenos Aires, InterContinental Madrid and Kimpton De Witt.
Word that you should use a limiteless variety of factors to high off this certificates and use it for higher-priced properties. For instance, you possibly can guide a room priced at 55,000 factors utilizing the free night time plus 15,000 factors out of your IHG One Rewards account.
Complimentary IHG Platinum Elite standing: IHG One Rewards Platinum Elite members take pleasure in 60% bonus earnings on paid stays when booking directly with IHG One Rewards, room upgrades primarily based on availability at check-in, a welcome amenity and several other different perks. There may be additionally a pathway to Diamond Elite standing after spending $40,000 on the cardboard in a calendar yr.
Fourth-night-free reward: While you redeem factors for a keep of 4 nights or longer, you may pay zero points for every fourth night. If you’ll find 4 nights of consecutive award house at a property you want, this may be a good way to stretch your factors even additional. After all, the worth of this perk is dependent upon how continuously you redeem IHG points 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 yr. Based mostly on TPG’s January 2025 valuations, these bonus factors are price $50; mixed with the assertion credit score, this bonus will be price as much as $150. Nevertheless, take into account whether or not you may realistically spend $20,000 in your card throughout your account anniversary yr — particularly when you can in any other case put these purchases on an everyday spending card with a greater incomes charge.
20% off when shopping for IHG factors: Save 20% in your buy of IHG factors once you pay together with your IHG Premier Card. Nevertheless, this low cost does not stack with different reductions when IHG places factors on sale. Word that these factors are thought of non-qualifying and won’t depend towards elite qualification, so the worth will likely be minimal for many cardholders.
Moreover, IHG Premier cardholders take pleasure in the next normal perks when utilizing their card:
These advantages might be a severe issue when choosing a new credit card. Nevertheless, as mentioned within the subsequent part, you will not get a excessive return charge on most purchases with the IHG Premier Card.
Associated: Last-minute strategies for earning IHG One Rewards elite status
Incomes factors on the IHG One Rewards Premier
Hotel credit cards are typically weak on the incomes entrance, however this card’s incomes charge at IHG motels is fairly stable.
You may earn 10 factors per greenback spent at IHG motels and resorts. And, once you mix the ten factors per greenback spent by utilizing 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 fuel purchases, plus 3 factors per greenback spent on all different purchases. It is a respectable return for these bonus classes however is definitely overwhelmed by many other cards.
Associated: 7 ways to earn IHG One Rewards points
Redeeming factors on the IHG One Rewards Premier
IHG One Rewards doesn’t have an award chart. As a substitute, 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 no acknowledged most, the best I’ve seen is 120,000 factors per night time (excluding Six Senses, which continuously prices extra).
However, even with IHG’s dynamic award pricing, it is nonetheless attainable to maximize IHG One Rewards redemptions. And, with just a little little bit of looking out, you possibly can typically redeem IHG One Rewards points for a higher worth than 0.5 cents per level.
You can also combine factors and money to your award stays. In some circumstances, this may increasingly present good worth. While you guide 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 consider IHG’s coverage on blackout dates makes it one of many weaker lodge applications for award night time availability. The phrases and circumstances of the IHG One Rewards program observe the next:
There are not any blackout dates for Reward Nights, nevertheless, room stock is proscribed and topic to prior sale.
So, whereas there are not any blackout dates per se, motels can restrict the variety of rooms they make accessible for award bookings.
One TPG reader really helpful the IHG One Rewards Premier as a result of they take pleasure in staying with IHG motels, discovering worth in a cobranded card with a program they like:
“IHG Premier as a result of I prefer to kind [sic] of motels they provide (rooms with kitchens) and I keep in motels rather more than I fly.” — Donna P by way of a TPG publication survey
Word: Reader-submitted responses haven’t been edited, reviewed or accredited by the issuers nor mirror TPG’s opinions of those playing cards.
Transferring factors on the IHG One Rewards Premier
IHG One has almost 40 airline switch companions, however we do not suggest 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 recognized to take an prolonged time frame.
You too can switch your factors to different IHG One Rewards members, beginning at $5 per 1,000 factors. Nevertheless, these transfers are free for Diamond and IHG Enterprise Rewards Program members as much as 500,000 factors per calendar yr.
Associated: Now you can transfer IHG points to others for free: Here’s how
Which playing cards compete with the IHG One Rewards Premier?
In the event you’re loyal to IHG, a card from one other lodge model won’t benefit your consideration. Nevertheless, one other card may higher fit your wants.
For extra choices, try our full checklist of the best hotel credit cards.
Associated: The best credit card for IHG stays
Is the IHG One Rewards Premier price it?
In the event you’re an IHG loyalist, you may simply get sufficient from this card’s advantages to justify the $99 annual payment. The anniversary night time alone might cowl the annual payment. Nevertheless, those that solely often keep at IHG properties will seemingly want a card with completely different advantages.
Backside line
In the event you’re a loyal IHG traveler trying to take advantage of IHG One Rewards, having the IHG One Rewards Premier Credit score Card is smart.
In spite of everything, the cardboard supplies perks like automated Platinum Elite standing, a fourth-night-free reward on award stays of four or more nights and a big bonus multiplier for IHG stays. Nonetheless, some may discover this is not the one for his or her journey and spending habits.
Apply right here: IHG One Rewards Premier Credit Card