There are many journey rewards playing cards vying on your consideration, however certainly one of my favourite playing cards is the IHG® Rewards Premier Credit score Card.
The IHG Rewards Premier card affords a compelling sign-up bonus to draw new cardholders. The cardboard can be a very good choice to maintain long-term as a result of its many perks that may simply offset its modest $99 annual price. Here is why I really like the IHG Rewards Premier card and plan to maintain it in my pockets for the foreseeable future.
Signal-up bonus
The IHG Rewards Premier Credit score Card is at the moment providing its best-ever sign-up bonus of 175,000 bonus factors after spending $3,000 within the first three months of account opening. Based mostly on TPG’s valuations, 175,000 IHG factors are price about $875.
IHG One Rewards makes use of dynamic award pricing, so the variety of award nights you may get from 175,000 factors will rely completely on when and the place you need to redeem your factors.
Be aware that the IHG Rewards Premier card and its sign-up bonus aren’t obtainable if you’re a:
- Present cardmember of any private IHG Rewards Credit score Card.
- Earlier cardmember of any private IHG Rewards Credit score Card, and also you obtained a brand new cardmember bonus for a private IHG Rewards Credit score Card throughout the final 24 months.
Chase’s 5/24 rule might also forestall you from being authorised for a brand new Chase card. Take a look at our put up on calculating your 5/24 standing for extra info.
Associated: Is the IHG Rewards Premier card definitely worth the annual price?
Anniversary night time
Even in the event you do not spend many nights in resorts or want a unique lodge loyalty program, the IHG Rewards Premier Credit score Card can nonetheless be price its $99 annual price every year. In spite of everything, most cardholders can get greater than $99 of worth every year from one profit: the anniversary night time you obtain after every account anniversary.
You should use the anniversary night time for an evening with a redemption charge of 40,000 factors or much less. However you too can add-on factors out of your IHG Rewards account to redeem for an evening costing greater than 40,000 factors. You will need to redeem your night time and full your keep inside 12 months of the free night time’s challenge date.
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I’ve gotten good worth from my anniversary nights through the years. For instance, I am scripting this story throughout a keep on the Kimpton De Witt in Amsterdam that I booked utilizing a number of anniversary free nights. The award charge on my nights was 40,000 factors, whereas the paid charge would have been about $281 per night time. Even ignoring the paid charge, I used to be comfortable to commerce a number of anniversary nights to remain at this Kimpton close to Amsterdam Centraal.
However you too can get sufficient worth out of your anniversary night time to justify the cardboard’s annual price nearer to residence. Though discovering nights costing lower than $99 in lots of U.S. cities is turning into much less widespread, you may nonetheless typically discover IHG award nights for 40,000 factors or much less.
There are various alternative ways to make use of the anniversary night time. However so long as you are getting greater than $99 of worth out of your anniversary night time every year, conserving the IHG Rewards Premier card long-term doubtless is smart — particularly when you take into account the cardboard’s different invaluable perks.
Associated: The 19 finest IHG resorts on the earth
Fourth-night reward perk
My favourite perk of the IHG Rewards Premier Credit score Card is the “redeem three nights, get fourth reward night time free” profit. In brief, this perk enables you to pay zero factors for each fourth night time if you redeem IHG factors for a keep of 4 nights or longer.
Let us take a look at an instance. For this keep on the InterContinental Phuket Resort in Thailand, I may pay a median of 27,250 factors per night time (as an alternative of 37,750 factors per night time) as a result of fourth-night reward perk.
This perk additionally works for longer stays. For instance, here is an eight-night keep the place two nights would price zero factors after the fourth-night reward perk. (Be aware that the primary and fourth traces within the screenshot beneath pool two nights collectively as they’re all priced at 11,000 factors every.)
You should use this profit a vast variety of occasions and for longer stays. For instance, you may obtain the fourth, eighth and twelfth nights free on a 12-night keep. And it’ll all the time be these nights which can be free, no matter whether or not these nights are the most affordable or most costly of the entire keep.
For instance, on a four-night keep the place the nights are priced at 10,000 for every of the primary three nights and 12,000 on the fourth night time, that fourth night time will probably be free though it is priced the best.
Most vacationers will solely use this perk a couple of occasions a 12 months, however I’ve benefited from over 35 fourth-night rewards prior to now six years. If you happen to often redeem IHG factors for stays of 4 nights or longer, this card profit will doubtless prevent a big quantity of factors.
Associated: What’s IHG One Rewards elite standing price?
Different invaluable advantages
Plus, the IHG Rewards Premier card affords the next advantages:
- Computerized IHG One Rewards Platinum Elite standing for so long as you retain your IHG Rewards Premier card.
- Earn IHG One Rewards Diamond Elite standing by the tip of the next calendar 12 months throughout any calendar 12 months you make purchases totaling $40,000 or extra along with your IHG Rewards Premier card.
- Save 20% on factors purchases if you pay along with your IHG Rewards Premier card. You may’t mix this low cost with some other factors buy affords, although. So, you may sometimes do higher ready for an IHG purchase factors promotion as an alternative of saving 20% by this perk.
- No international transaction charges.
- Get a International Entry, TSA PreCheck or Nexus credit score of as much as $100 each 4 years as reimbursement for an software price charged to your card.
- Earn a $100 assertion credit score and 10,000 bonus factors any calendar 12 months you spend no less than $20,000 in purchases.
- Get a $25 United TravelBank money deposit in your United MileagePlus account twice a 12 months (on or round Jan. 1 and July 1) when you full a one-time registration for this perk.
Platinum Elite standing will get you some helpful perks if you keep at IHG resorts, together with extra bonus factors on paid stays and complimentary upgrades (topic to availability and on the lodge’s discretion).
Associated: The very best lodge bank cards with annual charges underneath $100
Backside line
The IHG® Rewards Premier Credit score Card is at the moment providing its best-ever sign-up bonus of 175,000 bonus factors after spending $3,000 within the first three months of account opening. Based mostly on TPG’s valuations, these bonus factors are price $875.
And after you have the IHG 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 every year. As such, I imagine the IHG Rewards Premier card is a invaluable card to get after which maintain 12 months after 12 months.
Take a look at our full IHG Rewards Premier Credit score Card assessment for extra particulars.
Official software hyperlink: IHG® Rewards Premier Credit score Card
