Hyperlink: Apply now for the IHG One Rewards Premier Credit score Card
The IHG One Rewards Premier Credit score Card (overview) is phenomenal — it’s price getting for the excellent welcome bonus, and it’s price retaining for the long-term perks. Not solely did the IHG Premier Card endure a refresh in 2022, however IHG’s total loyalty program additionally underwent a refresh, and the modifications are nearly solely excellent news.
On this publish, I wished to take a look at 9 causes to use for this $99 annual price IHG Premier Card. That is an particularly good time to use, provided that the cardboard is at present providing an elevated bonus that’s expiring shortly. In no explicit order…
Welcome bonus of 140K factors + as much as $100
For purposes by way of Wednesday, September 27, 2023, the IHG Premier Card has an incredible two-part welcome bonus. Particularly, you may earn 140,000 IHG bonus factors after spending $3,000 inside the first three months. Moreover, you may obtain as much as $100 in IHG assertion credit on purchases at IHG properties inside the first 12 months.
This is a wonderful bonus, and on prime of that, the cardboard has an affordable spending requirement that most individuals ought to be capable of obtain. I worth IHG factors at 0.5 cents every, so to me, the 140,000 factors are price ~$700, and that doesn’t issue within the worth of as much as $100 in assertion credit.
Anniversary free night time certificates
Arguably the only greatest good thing about the IHG Premier Card, which greater than justifies the continuing annual price, is the anniversary free night time certificates. This certificates might be redeemed at an IHG property retailing for as much as 40,000 factors per night time, which covers a overwhelming majority of IHG properties all over the world.
With the latest modifications to the cardboard, you too can use factors to prime off a free night time certificates, to be able to redeem at a dearer property. For instance, you could possibly e-book a resort costing 60,000 factors per night time by redeeming the free night time certificates plus 20,000 IHG factors.
I’ve gotten numerous worth with this free night time certificates. For instance, I’ve stayed on the InterContinental Phoenicia Beirut, InterContinental Johannesburg Airport, and Kimpton EPIC Miami utilizing free night time certificates, all with out having to prime off these awards. In every case, an evening would have in any other case value $250+.
Fourth night time free on award redemptions
The opposite greatest perk of the IHG Premier Card is that it gives a fourth night time free on award redemptions. In case you keep for 4 consecutive nights on an award redemption then you definitely solely should redeem factors for the primary three nights.
That is an superior perk, since it may be used a limiteless variety of occasions (you may even use it to e-book a number of rooms on the similar resort, and you may even use it at Six Senses properties). In case you normally redeem factors for stays in increments of 4 nights, that is like getting 25% off all of your redemptions. This can be a incredible perk.
IHG One Rewards Platinum standing
Only for having the IHG Premier Card, you get IHG One Rewards Platinum standing, which is legitimate for so long as you will have the cardboard. IHG One Rewards Platinum standing contains the next perks:
- Room upgrades, topic to availability (together with doubtlessly to suites)
- A 60% bonus on base factors
- Early check-in and late check-out, topic to availability
- A welcome amenity
- Entry to award night time gross sales all year long
- The flexibility to earn Milestone Rewards, which may get you membership lounge entry, confirmed suite upgrades, and extra
With the latest modifications to IHG’s loyalty program, standing is extra useful than ever earlier than.
IHG One Rewards Diamond standing with spending
Whereas the IHG Premier Card gives Platinum standing for being a cardmember, you may earn Diamond standing if you spend $40,000 on the cardboard in a calendar yr. That is IHG’s new prime tier elite standing, which incorporates legitimately useful perks. Amongst different issues, Diamond members obtain a 100% factors bonus and free breakfast.
In case you keep at IHG properties with any frequency, it might be price going out of your option to earn this standing.
As much as $50 in United TravelBank Money annually
- Every calendar yr you’ll obtain one $25 United TravelBank Money deposit round January 1, and one other round July 1
- Deposits made between January 1 and June 30 expire on July 15, and deposits made between July 1 and December 31 expire on January 15
- You need to full one-time registration to obtain this profit
In case you fly United with any frequency, then that is like $50 price of journey on United per yr.
World Entry, TSA PreCheck, or NEXUS credit score
For some, this will likely be useful, and for others, it received’t provide a lot worth. The IHG Premier Card gives a press release credit score of as much as $100 if you use your card for a World Entry, TSA PreCheck, or NEXUS enrollment price, as much as as soon as each 4 years.
This can be a good perk that would simply get you extra worth than the annual price.
Worthwhile rewards for spending
Whereas the IHG Premier Card has lengthy had sturdy perks for being a cardmember, the worth proposition of spending cash on the cardboard has improved significantly:
- The IHG Premier Card gives 10x factors on IHG spending, 5x factors on journey, fuel stations, and eating, and 3x factors on different purchases
- The IHG Premier Card gives a $100 assertion credit score plus 10,000 bonus factors in the event you spend $20,000 on the cardboard in a calendar yr, plus make one extra buy
- As talked about above, the IHG Premier Card gives Diamond standing in the event you spend $40,000 on the cardboard in a calendar yr
Up to now the cardboard was exceptionally unrewarding for spending, whereas I’d say for some individuals there may now be worth in spending on the cardboard.
Anecdotally straightforward approval
Traditionally Chase is without doubt one of the more durable issuers with which to get a card authorized. The IHG Premier Card has all the usual Chase approval restrictions, and this card is subjected to the 5/24 rule.
Nevertheless, anecdotally many report that the IHG Premier Card is simpler to get authorized for, and that additionally matches my expertise, as I acquired immediately authorized after I utilized (and I don’t keep in mind the final time previous to that the place I used to be immediately authorized for a Chase card).
It’s my understanding that Chase has completely different approval necessities for some co-brand playing cards, relying on the shopper base the cardboard is focusing on, and it certain looks like the IHG Card is among the many best of the journey rewards playing cards to get authorized for.
Assuming you’ve in any other case struggled to be authorized for Chase playing cards (whereas nonetheless being underneath 5/24, and many others.), then this might be a superb card to think about.
On the lookout for a enterprise bank card?
If this card sounds intriguing however you’re as a substitute desirous about a enterprise card, there’s excellent news — the IHG One Rewards Premier Enterprise Credit score Card (overview) was launched in 2022. The cardboard has a wonderful welcome bonus, and really related perks to the private model of the cardboard.
Better of all, you’re eligible for each of those playing cards, so you could possibly choose up each the private and enterprise model of the cardboard to actually maximize your perks.
The IHG Premier Card is a helpful resort bank card that virtually everybody who’s eligible ought to have, even when they’re not in any other case IHG loyalists. Personally, I’d get the cardboard for the anniversary free night time certificates alone, although there are doubtlessly useful advantages past that, together with the fourth night time free on award redemptions, IHG Platinum standing, $50 in United TravelBank Money, and many others. That is an particularly good time to use, given the largest factors bonus ever.
In case you’re searching for a enterprise card as a substitute, think about the IHG Premier Enterprise Card, which has equally good perks.
In case you have the IHG Premier Card, what has your expertise been like?
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