IHG One Rewards Premier Credit score Card overview
*Card Ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The IHG One Rewards Premier Credit score Card affords a whole lot of perks for vacationers who regularly stick with IHG. For instance, you will get automated 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.
With a strong 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 number of instances a 12 months could get ample worth from the IHG Premier Card.
One perk alone — the anniversary free night time 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 charge annually. Premier cardmembers can even 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.
Notice that the really useful credit score rating for this card is at the least 670. Now, let’s take a look at whether or not the IHG Premier Card is an effective selection for you.
IHG One Rewards Premier professionals and cons
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IHG One Rewards Premier welcome provide
TPG’s January 2025 valuations peg IHG factors at 0.5 cents every, making this bonus price $700.
Notice that you just will not be eligible for this card (or its bonus) for those who presently have any IHG private bank card or have earned a welcome bonus on one other IHG private bank card inside the final 24 months.
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Nonetheless, this rule does not apply to holding the IHG One Rewards Premier Enterprise Credit score Card or bonuses earned on that card.
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IHG One Rewards Premier advantages
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 in your certificates is not tough. For instance, I’ve redeemed anniversary free night time certificates for stays on the InterContinental Buenos Aires, InterContinental Madrid and Kimpton De Witt.
Notice that you need to use an infinite variety of factors to high off this certificates and use it for higher-priced properties. For instance, you’ll be able to 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 reserving immediately with IHG One Rewards, room upgrades based mostly 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 12 months.
Fourth-night-free reward: If you redeem factors for a keep of 4 nights or longer, you will pay zero factors for each fourth night time. If you will discover 4 nights of consecutive award area at a property you want, this may be a good way to stretch your factors even additional. After all, the worth of this perk depends upon how regularly you redeem IHG factors for stays of 4 nights or extra.
10,000 bonus factors after spending $20,000: You will 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 January 2025 valuations, these bonus factors are price $50; mixed with the assertion credit score, this bonus might be price as much as $150. Nonetheless, think about whether or not you will realistically spend $20,000 in your card throughout your account anniversary 12 months — particularly for those who can in any other case put these purchases on an on a regular basis spending card with a greater incomes price.
20% off when shopping for IHG factors: Save 20% in your buy of IHG factors whenever you pay together with your IHG Premier Card. Nonetheless, this low cost does not stack with different reductions when IHG places factors on sale. Notice that these factors are thought-about non-qualifying and won’t depend towards elite qualification, so the worth might be minimal for many cardholders.
Moreover, IHG Premier cardholders take pleasure in the next common perks when utilizing their card:
These advantages may very well be a severe issue when selecting a brand new bank 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: Final-minute methods for incomes IHG One Rewards elite standing
Incomes factors on the IHG One Rewards Premier
You will earn 10 factors per greenback spent at IHG motels and resorts. And, whenever you mix the ten factors per greenback spent by utilizing your card with the factors you will earn as an IHG Platinum Elite, 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. This can be a first rate return for these bonus classes however is well crushed by many different playing cards.
Associated: 7 methods to earn IHG One Rewards factors
Redeeming factors on the IHG One Rewards Premier
IHG One Rewards doesn’t have an award chart. As an alternative, 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 isn’t any said most, the best I’ve seen is 120,000 factors per night time (excluding Six Senses, which regularly prices extra).
However, even with IHG’s dynamic award pricing, it is nonetheless attainable to maximise IHG One Rewards redemptions. And, with a bit little bit of looking out, you’ll be able to typically redeem IHG One Rewards factors for a higher worth than 0.5 cents per level.
You can also combine factors and money in your award stays. In some circumstances, this will present good worth. If you guide this fashion, IHG sells you the additional factors after which debits your account for the complete 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 situations of the IHG One Rewards program word 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 useful 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 far more than I fly.” — Donna P by way of a TPG publication survey
Notice: Reader-submitted responses haven’t been edited, reviewed or accepted by the issuers nor mirror TPG’s opinions of those playing cards.
Transferring factors on the IHG One Rewards Premier
IHG One has practically 40 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 aspect. Plus, transfers from IHG have been identified to take an prolonged time frame.
You may as well 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’ll be able to switch IHG factors to others totally free: Here is how
Which playing cards compete with the IHG One Rewards Premier?
For those who’re loyal to IHG, a card from one other lodge model won’t advantage your consideration. Nonetheless, one other card may higher fit your wants.
For added choices, try our full listing of the greatest lodge bank cards.
Associated: The very best bank card for IHG stays
Is the IHG One Rewards Premier price it?
For those who’re an IHG loyalist, you will simply get sufficient from this card’s advantages to justify the $99 annual charge. The anniversary night time alone might cowl the annual charge. Nonetheless, those that solely often keep at IHG properties will probably favor a card with totally different advantages.
Backside line
For those who’re a loyal IHG traveler seeking to profit from IHG One Rewards, having the IHG One Rewards Premier Credit score Card is smart.
In any case, the cardboard offers perks like automated Platinum Elite standing, a fourth-night-free reward on award stays of 4 or extra 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 score Card
