IHG® Rewards Club Premier Credit Card Review

IHG® Rewards Club Premier Credit Card Learn more

If you travel frequently and often stay at Holiday Inns or other hotels under the IHG umbrella, the IHG® Rewards Club Premier Credit Card is an option you’ll want to consider. Not only does this card offer huge point bonuses on stays at the branded locations, but you’ll also qualify for member status upgrades just by gaining approval for the card. While much of the value in the incentive program comes from hotel bookings, some other common spending categories, such as gas and groceries, will earn 2x points also.

You’ll enjoy complimentary room upgrades, priority check-in and extended check out privileges at the affiliated hotels, and just by hanging on to the card for more than a year, you’ll scoop up additional bonus points. All these perks and benefits come with an annual fee, but if you use the card wisely, you’ll quickly recoup any cost of being a member.


In this article

    What we like about IHG® Rewards Club Premier Credit Card

    • Use the card to purchase Global Entry or TSA Precheck programs, and you’ll be reimbursed $100 every four years toward the cost of the application fee.
    • Simply by acquiring the card, you gain Platinum Elite Status, which includes a chance to earn additional points, complimentary internet access and a dedicated customer service line.
    • Travel protections include coverage for lost or delayed baggage and automatic enrollment in a trip cancellation insurance program.
    • Earn one free night’s stay at the brand’s locations on each account anniversary.
    • No foreign transaction fees, which is great if you’re using the card while abroad.

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    Things to consider

    • The highest rewards categories are limited to stays within the IHG family, and points can’t transfer to other hotel chains.
    • The free night earned on your card anniversary lasts for 12 months.
    • 2X bonus categories are limited, and all other everyday purchases only earn one point per dollar.
    • The value of your points will diminish if you redeem them for merchandise, gift cards or airfare.
    • The annual fee is $89.

    Travel rewards details

    The most appealing feature of the IHG® Rewards Club Premier Credit Card comes in the form of the super-sized point bonuses you’ll receive when patronizing IHG hotels. When using the card to pay for accommodations, you’ll earn ten points per dollar. Your included IHG Rewards Membership status packs on another ten points per dollar, and you’ll grab an additional five points through Platinum Elite Status, which won’t require any more effort than just owning the card. That’s a multiplier of 25X for each dollar spent within IHG properties.

    The current welcome bonus of 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening. Book a series of four or more nights at the same IHG hotel, and you’ll receive an additional free stay when using points to pay for the visit.

    Fee details

    At $89, the annual fee isn’t a deal-breaker, especially if you hold the card for a year and earn that free night at an IHG hotel. The card travels well, also. You won’t incur any foreign transaction fees when you’re on business or vacationing outside U.S. borders. On the prohibitive side, balance transfers will cost you 5% of the amount or $5, whichever is greater.

    How does it compare to other travel rewards cards?

    If you’re already an IHG loyalist, this card will be a welcome addition to your wallet. However, you might want to look at the American Express® Gold Card or the Chase Sapphire Preferred® Card as well if you want more flexibility. The American Express® Gold Card offers higher rewards on spending at restaurants and groceries, while the Chase Sapphire Preferred® Card offers more choices when it comes to redeeming points.

     Annual FeeIntro BonusCredit NeededKey features
    IHG® Rewards Club Premier Credit Card $89125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account openingGood to Excellent
    • Huge hotel point bonuses within the IHG family
    • No foreign transaction fees
    • Attainable intro bonus
    American Express® Gold Card $250 Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.Good to Excellent
    • 4X point on restaurants worldwide, including takeout and delivery and 4X point at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
    • Up to $120 in annual statement credits when using card at participating restaurants
    • Terms Apply
    Chase Sapphire Preferred® Card $9560,000 points after spending $4,000 in the first three months.Good to Excellent
    • Points redeemed through Chase Ultimate Rewards program are worth 25% more
    • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.

    For rates and fees of American Express® Gold Card, please click  here .

    Please Note: Information about the American Express® Gold Card has been collected independently by TheSimpleDollar.com. The issuer did not provide the details, nor is it responsible for their accuracy.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Thom Tracy

    Contributing Writer

    Thom Tracy is a personal finance writer from Scranton, Pennsylvania with 28 years of experience in the insurance, employee benefits and financial services industries. His work has appeared in QuickBooks and Investopedia. In his spare time, Thom likes to cook, hike and discover new music.