How Does LendingTree Get Paid?
| Advertising Disclosure

How LendingTree Gets Paid

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

Sign Up Bonus
Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening
Rewards Rate
Earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.
Extra Perks
Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the IHG® Rewards Club Premier Credit Card best for?

If you frequently stay at InterContinental Hotel Group (IHG) properties, the IHG® Rewards Club Premier Credit Card should be on your radar.

With more than 5,000 IHG Hotels and Resorts from which to choose — including InterContinental Alliance Resorts, Crowne Plaza, Hotel Indigo, Holiday Inn, Staybridge Suites, Candlewood Suites and more — this card offers a generous sign-up bonus and rewards rate for stays at these properties.

Points can be redeemed for hotel stays, merchandise, IHG Rewards Club access, cash, magazine subscriptions, gift cards, digital entertainment and charities. You can also transfer points to a number of airline transfer partners, including British Airways, Delta SkyMiles, JetBlue TrueBlue and United Airlines.

The IHG® Rewards Club Premier Credit Card also offers a slew of great travel benefits. However, know that the value of the each points is worth 0.5 cents each, making the sign-up bonus worth $750, and the card charges an annual fee of $0 intro for the first year, then $89.

IHG® Rewards Club Premier Credit Card overview

    • Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Credit needed:
    680 850
    Excellent/Good
  • Global Entry or TSA PreCheck fee credit of up to $100 every 4 years
  • $0 foreign transaction fees
  • Automatic upgrade to Platinum elite status
  • Travel protections, including baggage delay insurance, lost luggage insurance and trip cancellation/trip interruption insurance
  • Cellphone protection
  • Car rental collision damage waiver
  • Purchase and extended warranty protection
  • Anniversary night
  • Free fourth night award

Intro Purchase APR

N/A

Intro BT APR

N/A

Annual Fee

$0 Intro for the First Year, then $89

Regular Purchase APR

15.99% - 22.99% Variable

Cash Advance Fee

Either $10 or 5% of the amount of each transaction, whichever is greater.

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Pros and cons of the IHG® Rewards Club Premier Credit Card

Pros

  • Sign-up bonus
  • Generous rewards rate on IHG stays
  • Expansive travel benefits
  • Free night award
  • Ability to earn 10,000 bonus points annually
  • Complimentary IHG Platinum Elite status
  • Fourth night award
  • Ability to mix points and cash for award stays

Cons

  • $95 annual fee
  • Fourth night award stay must be booked with points only
  • Free night award limited to 40,000-point value
  • The IHG® Rewards Club Premier Credit Card is subject to Chase’s 5/24 rule
  • Low rewards earning rate for purchases outside IHG stays

What we like about the IHG® Rewards Club Premier Credit Card

  • Sign-up bonus

    Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening. With the value of each point worth around 0.5 cents, that’s about $750.

  • Rewards earning rate for IHG stays

    Earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.

  • Annual bonus

    Get 10,000 bonus points after you spend $20,000 and make one additional purchase with the card each account anniversary.

  • Extensive benefits

    In addition to a wide array of travel protections, IHG® Rewards Club Premier Credit Card cardmembers can get up to a $100 statement credit when using the card to pay for Global Entry or TSAPrecheck applications.

  • Platinum Elite status

    IHG® Rewards Club Premier Credit Card cardmembers are automatically upgraded to IHG Rewards Club Platinum Elite Status, which allows a 50% point bonus on stays, late checkout, priority check-in, complimentary room upgrade when available and a welcome amenity.

  • Free night awards

    With the IHG® Rewards Club Premier Credit Card, you’ll receive one free night at IHG Hotels worldwide after each account anniversary year. Additionally, receive a free reward night when you redeem points for any stay of four or more nights.

What to watch out for with the IHG® Rewards Club Premier Credit Card

  • Poor rewards transfer rate

    The IHG® Rewards Club Premier Credit Card offers a variety of travel transfer partners; however, your points will transfer at a rate of 5:1 or worse. For example, if you transfer 10,000 IHG points to American Airlines, Delta SkyMiles or United Airlines, they will only be worth 2,000 miles.

  • High spend required for annual bonus

    To earn the 10,000-point annual bonus, you will be required to spend $20,000 and make one additional purchase with the card each account anniversary year — for an average of $1,667 in charges per month for a year.

  • Anniversary reward night limitation

    The free anniversary award night value is capped at 40,000 points, which isn’t horrible, but does limit you from redeeming that award at higher-end properties.

  • Low earnings rate on everyday spending

    While you can earn a good rewards rate on IHG hotel stays, the ability to rack up a wealth of points outside of those stays isn’t great.

Alternate hotel card to the IHG® Rewards Club Premier Credit Card

Compare it to the Marriott Bonvoy Boundless® Credit Card

If you open to staying at Marriott Bonvoy properties over IHG Hotels and Resorts, the Marriott Bonvoy Boundless® Credit Card is a great alternative. Along with offering a free night award each year after your account anniversary, the card lets you earn a generous rewards rate.

For a Limited Time Only! Earn 125,000 Bonus Points and 1 Free Night Award (Free Night Award has a redemption value up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card! Earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® and 2X points on all other purchases.

The IHG® Rewards Club Premier Credit Card offers a considerably higher sign-up bonus than the Marriott Bonvoy Boundless® Credit Card. However, you can squeeze more free night stays from the Marriott Bonvoy Boundless® Credit Card’s sign-up bonus.

With the Marriott Bonvoy Boundless® Credit Card, hotel redemptions start at 5,000 points for an off-peak night at a category 1 hotel and 7,500 points for a standard night. This means that the Marriott Bonvoy Boundless® Credit Card’s sign-up bonus can get you 15 off-peak nights or 10 standard nights at a category 1 hotel, like the SpringHill Suites Houston Northwest in Houston.

On the other hand, hotel redemptions for the IHG® Rewards Club Premier Credit Card start at 10,000 points per night. So, for example, the card’s current sign-up bonus can get you eight free nights at the Candlewood Suites Houston Park 10 in Houston.

The information related to the Marriott Bonvoy Boundless® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Compare the IHG® Rewards Club Premier Credit Card to similar cards

Comparison of four different credit cards
IHG<sup>®</sup> Rewards Club Premier Credit Card Marriott Bonvoy Boundless<sup>®</sup> Credit Card IHG<sup>®</sup> Rewards Club Traveler Credit Card Capital One Venture Rewards Credit Card
IHG® Rewards Club Premier Credit Card Marriott Bonvoy Boundless® Credit Card IHG® Rewards Club Traveler Credit Card Capital One Venture Rewards Credit Card
Read Review
Read Review
Review Coming Soon Apply Now
on Capital One's secure site
Welcome Offer
Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening For a Limited Time Only! Earn 125,000 Bonus Points and 1 Free Night Award (Free Night Award has a redemption value up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card! Earn 60,000 bonus points after spending $2,000 on purchases within the first three months of account opening. Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Rewards Rate
Earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases. Earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® and 2X points on all other purchases. Earn up to 15 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases. 2 Miles per dollar on every purchase, every day
Annual Fee
$0 Intro for the First Year, then $89 $95 $0 $95
Intro Purchase APR
N/A N/A N/A N/A
Regular APR
15.99% - 22.99% Variable 15.99% - 22.99% Variable 15.99% - 22.99% Variable 15.99% - 23.99% (Variable)
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent/Good
Card Details
IHG® Rewards Club Premier Credit Card Marriott Bonvoy Boundless® Credit Card Additional card details unavailable Capital One Venture Rewards Credit Card

Is the IHG® Rewards Club Premier Credit Card right for you?

If you are an IHG loyalist, the IHG® Rewards Club Premier Credit Card is a great option. The card offers a large sign-up bonus and generous rewards rate, which can be used toward free hotel stays. Plus, cardholders receive a free reward night after each account anniversary year, as well as a free night when they redeem points for any stay of four or more nights.

But, if you prefer Marriott Bonvoy hotels, the Marriott Bonvoy Boundless® Credit Card will be your best bet. In addition to receiving a free night award each year after your account anniversary, you can redeem the card’s sign-up bonus for up to 15 free night stays.

The information related to the IHG® Rewards Club Premier Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.