IHG One Rewards Premier Credit score Card overview: Full particulars

The IHG One Rewards Premier Credit Card (see rates and fees) affords a number of useful perks for frequent IHG friends. With an annual price of $99, nevertheless, you might not get sufficient ongoing worth from this card if IHG One Rewards is not your main resort 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 a variety of perks for vacationers who ceaselessly stick with IHG.

One perk alone — the anniversary free night annually, 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 price annually.

You may additionally get computerized Platinum Elite standing 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.

We usually suggest that candidates have a credit score of at the very least 670 to extend their probabilities of being permitted for this card.

Now, let us take a look at whether or not the IHG Premier Card is an efficient selection for you.

For a restricted time, new IHG One Premier Card cardholders can earn 5 free nights (as much as 60,000 factors per night time) after spending $5,000 on purchases on the cardboard within the first three months from account opening. This provide ends July 23.

TPG’s Might 2025 valuations peg IHG factors at 0.5 cents every, making this bonus value as much as $1,500.

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This matches the highest bonus we have seen on this card, though it does require a further $1,000 in minimal spending ($5,000 vs. the $4,000 threshold we have beforehand seen). A welcome bonus of 5 free nights has solely been provided as soon as (final 12 months) within the card’s provide historical past, making now a superb time to use when you’ve been eyeing this card.

Be aware that you just will not be eligible for this card (or its bonus) when you at present have any IHG private bank card or have earned a welcome bonus on one other IHG private bank card inside the final 24 months.

Nonetheless, this rule would not apply to holding the IHG One  Rewards Premier Business Credit Card (see rates and fees) or bonuses earned on that card. You additionally must be below Chase’s 5/24 rule.

Associated: Here’s how to calculate your 5/24 standing

The IHG One Premier Card carries a comparatively modest $99 annual price. Nonetheless, the cardboard’s precise worth hinges on whether or not you will use the advantages ceaselessly sufficient to justify that annual fee. This is an outline of the cardboard’s principal IHG-related perks:

Anniversary free night time

Cardholders obtain a reward night time certificates legitimate for a one-night resort 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 choice in 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.

Be aware that you should utilize a vast variety of factors to prime off this certificates and use it for higher-priced properties. For instance, you possibly can e-book a room priced at 55,000 factors utilizing the free night time plus 15,000 factors out of your IHG One Rewards account.

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 based mostly on availability at check-in, a welcome amenity and a number of other different perks.

There’s additionally a pathway to Diamond Elite standing by the tip of the subsequent calendar 12 months after spending $40,000 on the cardboard in a calendar 12 months.

Fourth night time free

While you redeem factors for a keep of 4 nights or longer, you will pay zero points for every fourth night. If you will discover 4 nights of consecutive award area at a property you want, this may be an effective way to stretch your factors even additional.

After all, the worth of this perk depends upon how ceaselessly you redeem IHG factors for stays of 4 nights or extra.

Different noteworthy perks

• 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 12 months. Based mostly on TPG’s Might 2025 valuations, these bonus factors are value $50; mixed with the assertion credit score, this bonus might be value as much as $150. Nonetheless, take into account whether or not you will realistically spend $20,000 in your card through the calendar 12 months — particularly when you can in any other case put these purchases on an everyday spending card with a greater incomes price.
• 20% off when shopping for IHG factors: Save 20% in your purchase of IHG points while you pay together with your IHG Premier Card. Nonetheless, this low cost would not stack with different reductions when IHG places factors on sale. Be aware that these factors are thought-about non-qualifying and won’t depend towards elite qualification, so the worth will probably be minimal for many cardholders.

These advantages may very well be a severe issue when choosing a new credit card. Nonetheless, as mentioned within the subsequent part, you will not get a excessive return price on most purchases with the IHG Premier Card.

Associated: Last-minute strategies for earning IHG One Rewards elite status

Hotel credit cards are usually weak on the incomes entrance, however this card’s incomes price at IHG accommodations is fairly stable.

You may earn 10 factors per greenback spent at IHG accommodations and resorts. And, while you mix the ten factors per greenback spent through the use of your card with the factors you will earn as an IHG Platinum Elite member, you will 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.

Based mostly on TPG’s Might 2025 valuations, this equates to a return on spending of 13% on IHG stays, 2.5% on journey and 1.5% on all different purchases.

These are first rate returns for these bonus classes, however are simply overwhelmed by many other cards.

Associated: How to earn IHG points via stays, credit cards and more

And though there is no said most, the very best I’ve seen is 120,000 factors per night time (excluding Six Senses, which ceaselessly prices extra).

However, even with IHG’s dynamic award pricing, it is nonetheless attainable to maximise IHG One Rewards redemptions. And, with a bit of little bit of looking out, you possibly can typically redeem IHG One Rewards points for a larger worth than 0.5 cents per level.

You can also combine factors and money in your award stays. In some instances, this will present good worth. While you e-book this fashion, IHG sells you the additional factors after which debits your account for the complete variety of factors.

It is also value 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 resort packages for award night time availability. The phrases and circumstances of the IHG One Rewards program be aware the next:

There are not any blackout dates for Reward Nights, nevertheless, room stock is restricted and topic to prior sale.

So, whereas there are not any blackout dates per se, accommodations can restrict the variety of rooms they make out there for award bookings.

Associated: How to maximize award redemptions with the IHG One Rewards program

Transferring factors on the IHG One Rewards Premier

IHG One has 35+ airline switch companions, however we do not suggest utilizing your factors this fashion. Factors switch at a virtually 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. Nonetheless, these transfers are free for Diamond and IHG Enterprise Rewards Program members as much as 500,000 factors per calendar 12 months.

Associated: Now you can transfer IHG points to others for free: Here’s how

For extra choices, try our full lists of the very best hotel credit cards and the very best playing cards for IHG stays.

In spite of everything, the cardboard offers perks like computerized 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