How my IHG Premier Card pays for itself every year

The IHG One Rewards Premier Credit Card (see rates and fees) presently has a limited-time welcome provide of 5 nights after spending $5,000 on purchases within the first three months from account opening. Every of the 5 nights is legitimate for a one-night resort keep at a property with a redemption degree as much as 60,000 factors, so this welcome provide is a compelling cause to get the cardboard now.

In keeping with TPG’s June 2025 valuations, this welcome provide is value as much as $1,500.

Even after you earn the welcome provide, the IHG Premier Card pays for itself every year.

It presents a variety of helpful advantages, equivalent to automatic Platinum Elite status, each fourth night free once you redeem IHG points for stays of 4 nights or extra and as much as $50 in United® TravelBank Money every calendar yr.

However one profit rises above the remainder and successfully covers the cardboard’s annual price every year: the account anniversary night time certificates. Let’s dive in.

Yearly in your account anniversary with the IHG One Rewards Premier, you may obtain a certificates for a one-night keep at a property with some extent redemption worth of 40,000 factors or much less.

TPG’s June 2025 valuations peg the worth of 40,000 IHG factors at $200, greater than double the IHG One Rewards Premier’s $99 annual price. So, it’s best to simply get sufficient worth to cowl your card’s annual price by redeeming your anniversary night time certificates every year.

One in every of my favourite lodges to make use of an IHG anniversary night certificate at is the Kimpton De Witt in Amsterdam. Throughout shoulder and off-season, you usually discover award nights bookable for round 40,000 factors. For instance, for a keep on Jan. 19, I may redeem 39,000 factors or pay $259 for a reservation that I can cancel without cost till a day earlier than my keep.

In fact, you might use an IHG anniversary night time certificates in lots of different methods. No matter how you utilize it, you may doubtless get no less than $99 in worth. You can too add factors out of your account to make use of the anniversary night time certificates at costlier properties if you cannot discover something to your liking inside the 40,000-point restrict.

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You have to redeem your anniversary night time certificates and full your keep inside 12 months of when IHG points the certificates.

Associated: Why you should get (and keep) the IHG One Rewards Premier card

I like my IHG One Rewards Premier for its ongoing perks. However the anniversary night time alone makes it a profitable selection. Even when you do not maximize your anniversary night time certificates, utilizing it for a single night time’s keep at an IHG property ought to simply offer you extra worth than the cardboard’s annual price.

To study extra, see our full evaluation of the IHG One Rewards Premier.

Apply right here: IHG One Rewards Premier