Why to get and preserve the IHG One Rewards Premier Credit score Card

Whether or not you keep at IHG inns and resorts just a few occasions annually or weekly, you need to significantly think about the IHG One Rewards Premier Credit score Card.

This card gives a compelling welcome bonus to draw new cardholders. It is usually one in every of my favourite playing cards to maintain long-term on account of its many perks, which might simply offset its modest $99 annual charge.

Here is why I really like my IHG One Rewards Premier card and plan to maintain it in my pockets for the foreseeable future.

Welcome provide

For a restricted time, the welcome provide for the IHG One Rewards Premier Credit score Card is 170,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.

Primarily based on TPG’s February 2025 valuations, the 170,000 bonus factors are value $850. Nevertheless, because the IHG One Rewards loyalty program makes use of dynamic award pricing, the variety of nights you may redeem your factors will fluctuate.

Observe that the IHG One Rewards Premier card and its welcome bonus aren’t out there in case you are a:

• Present cardmember of any private IHG One Rewards bank card
• Earlier cardmember of any private IHG One Rewards Credit score Card and acquired a brand new cardmember bonus throughout the final 24 months

The Chase 5/24 rule can also forestall you from being accepted for a brand new Chase bank card. Contemplate calculating your 5/24 standing earlier than making use of.

Associated: Is the IHG One Rewards Premier card well worth the annual charge?

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Anniversary night time

Even should you do not spend many nights in inns or choose a special lodge loyalty program, the IHG One Rewards Premier Credit score Card should be value its $99 annual charge. In any case, most cardholders can get greater than $99 of worth annually from one profit: the IHG anniversary night time certificates 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. If you need to make use of these factors towards a keep value greater than 40,000 factors, you may add factors out of your IHG One Rewards account to prime your account for the redemption. You need to redeem your night time and full your keep inside 12 months of the free night time’s challenge date.

I’ve gotten good worth from my anniversary nights over time. And so long as you are getting greater than $99 of worth out of your anniversary night time certificates annually, maintaining the IHG One Rewards Premier card long-term seemingly is smart — particularly when you think about the cardboard’s different perks.

Associated: The perfect IHG inns on the planet

Fourth-night reward perk

My favourite perk of the IHG One Rewards Premier Credit score Card is the “redeem three nights, get fourth reward night time free” profit. In brief, this perk helps you to pay zero factors for each fourth night time whenever you redeem IHG factors for a keep of 4 nights or longer.

Let’s take a look at an instance. For the next keep, I would pay zero factors for my fourth night time as a result of IHG fourth-night reward perk.

This perk additionally works for longer stays. For instance, this is an eight-night keep throughout which my fourth and eighth nights would value zero factors after the fourth-night reward perk.

Each fourth night time will value zero factors no matter whether or not these nights are the most cost effective or most costly of your keep. You should use this profit a vast variety of occasions. So, should you ceaselessly redeem IHG factors for stays of 4 nights or longer, this card profit will seemingly prevent a big quantity of factors.

Associated: How a lot worth does IHG One Rewards standing present whenever you e book straight?

Different helpful advantages

The IHG One Rewards Premier Credit score Card gives different helpful advantages to cardholders, together with:

• Automated IHG Platinum Elite standing for so long as you retain your IHG One Rewards Premier card
• The power to earn Diamond Elite standing by means of the top of the next calendar yr throughout any calendar yr you make a minimum of $40,000 in purchases together with your IHG One Rewards Premier card
• No overseas transaction charges
• A International Entry, TSA PreCheck or Nexus credit score of as much as $120 each 4 years as reimbursement for an software charge charged to your card
• A $25 United Airways TravelBank money deposit in your MileagePlus account twice a yr (on or round Jan. 5 and July 5) when you full a one-time registration for this perk
• Earn a $100 assertion credit score and 10,000 bonus factors every calendar yr you make a minimum of $20,000 in purchases

Plus, you will earn 10 factors per greenback at inns collaborating in IHG One Rewards, 5 factors per greenback on different journey and inns, gasoline stations and eating at eating places (together with takeout and eligible supply companies), and three factors per greenback spent on different purchases together with your card.

Associated: The perfect lodge bank cards with annual charges below $100

Backside line

After you have the IHG One 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 charge annually. As such, I imagine the IHG One Rewards Premier card is effective to get and preserve long-term.

Try our full IHG One Rewards Premier Credit score Card overview for extra particulars.

Apply right here: IHG One Rewards Premier Credit score Card