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Apply online for IHG® Rewards Club Premier Credit Card
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IHG® Rewards Club Premier Credit Card Review

Pros & Cons

  • A hotel card that offers bonus points on purchases outside of those at the branded hotel is always a nice perk.
  • Each time you redeem your rewards for a four-night minimum stay you'll receive your fourth night free.
  • Make your travel easier. Register for the Global Entry or TSA Precheck® programs and receive a reimbursement of up to $100 every four years for your application fee.
  • While you do earn two points per $1 at gas stations, grocery stores and restaurants, this card is really best for people who intend to use it often for IHG stays. Otherwise, you're likely better off with a more general rewards card.

Top Features

Rewards
10 points per $1 spent when you stay at an IHG hotel.
Bonus Rewards
Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
Regular APR
17.74% - 24.74% Variable
Annual Fee
$89

Full Review

Brooklyn Lowery Site Editor

IHG® Rewards Club Premier Credit Card Essentials

You’ll get great rewards with the IHG® Rewards Club Premier Credit Card in exchange for your devoted loyalty. Stay at one of the Intercontinental Hotel Group’s properties, which include the Crowne Plaza, Holiday Inn and Hotel Indigo, and you’ll earn five points per $1 spent when you stay at IHG hotels. The welcome bonus is a pretty good deal, too. Earn 80,000 bonus points after you spend $2,000 on purchases in the first three months – a better offer than comparable cards that usually require $3,000 or more in initial purchases to get a similar number of points.

IHG® Rewards Club Premier Credit Card’s best features:

  • Earn 80,000 bonus points after spending $2,000 in the first three months. Earn another 5,000 points if you add an authorized user and make a purchase in that first three months.
  • Free hotel night every year after your account anniversary.
  • Receive your fourth night free each time you redeem points for a four-night minimum stay
  • Earn 10 points per $1 spent when you stay at IHG hotels
  • Earn two points per $1 spent on purchases at gas stations, grocery stores and restaurants.
  • Earn one point for every $1 spent on all other purchases.
  • $0 foreign transaction fee
  • Receive up to a $100 reimbursement every four years for your Global Entry or TSA Precheck® application reimbursement.

What Our Editors Like Most About the IHG® Rewards Club Premier Credit Card

Let’s start with the basics: a good size chunk of bonus points for every $1 spent with a particular hotel brand is a pretty standard features of hotel credit cards. Most competitor hotel groups have similar points structures. Same goes for the annual free night in one of IHG®’s hotels. These incentives are the price of admission for any hotel that wants to be competitive in the credit card market.

However, a couple of things differentiate the IHG® Rewards Club Premier Credit Card. In particular, that free night when you redeem your rewards for a minimum four-night stay, the Global Entry or TSA Precheck® fee credit, some bonus points for everyday purchases and the Platinum Elite Status offered to cardholders. Let’s take a closer look.

When IHG® Rewards Club Premier Credit Card cardholders redeem points for at least a four-night stay, you’ll only be docked points for three of those nights and your fourth night will be free. That’s a highly unusual perk – most hotel rewards cards offer you a once-annually free night reward, but this card goes a step further and offers you that annual free night as well as a free night whenever you redeem for at least four nights in a row. The free reward night opportunities should more than offset the card’s $89 annual fee.

Further helping you offset the fee is the once-every-four-years reimbursement of up to $100 for your Global Entry or TSA Precheck® application fee – a perk usually reserved for cards with much higher annual fees.

We certainly shouldn’t ignore the obvious rewards perks with this card: Earn 10 points per $1 spent with IHG hotels; two points per $1 at gas stations, grocery stores and restaurants; and one point per $1 for all your other purchases.

Lastly, and worth noting, is IHG® Rewards Club Premier Credit Card cardholders receive an automatic upgrade to IHG® Rewards Club Platinum Elite status. Typically, you’d have to stay at qualifying hotels a minimum of 40 nights a year to get this status – which is really only feasible for perpetually jetlagged business travelers. Some of the perks of platinum include extended check-out, no blackout dates on reward nights, complimentary room upgrades and guaranteed room availability. But the best perk is 50 percent bonus earnings on top of your base points. Combine this offer with 10 points for every $1 spent at IHG® hotels, and you can quickly accumulate 3,750 points with just one $250-a-night stay at the Intercontinental.

Potential Downsides of the IHG® Rewards Club Premier Credit Card

The biggest rewards with the IHG® Rewards Club Premier Credit Card come when you stay at IHG® hotels. For everything else, the rewards rate is on the low side: two points per $1 spent on purchases at gas stations, grocery stores and restaurants and one point for every $1 spent on all other purchases is comparable to other rewards cards, but you can do better than that if you don’t plan to use your rewards for IHG stays.

Furthermore, the interest rate on this card is on the higher side, so if you anticipate needing to carry a balance from time to time, you’ll likely want to look to another card as the interest alone would eat up any rewards you earn using the card.

How the IHG® Rewards Club Premier Credit Card Compares to Other Hotel Credit Cards

IHG® Rewards Club Premier Credit Card vs. Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Learn More

The Capital One® Venture® Rewards Credit Card isn’t a hotel-branded card but it does give you the chance to earn rewards that you can redeem for hotel stays – and any number of other travel-related purchases for that matter.

What you’ll get with the Capital One® Venture® Rewards Credit Card is the opportunity to earn a flat two miles per $1 spent on every purchase and redemption options with any airline or hotel as well as any number of other travel-related purchases. What you WON’T get is the perks that go along with loyalty, like free annual night stays or a free night when you redeem a certain amount of rewards.

Capital One® Venture® Rewards Credit Card cardholders do enjoy no foreign transaction fees and a similar annual fee at $95, but that’s waived for the first year. They also can earn 50,000 bonus miles, worth $500 in travel, after spending $3,000 in the first three months. And, recently, Capital One announced that Capital One® Venture® Rewards Credit Card cardholders are also eligible for that Global Entry or TSA Precheck® application fee reimbursement.

Ultimately, you’ll need to decide whether your loyalty to the IHG brand is strong enough that you’ll be satisfied earning the bulk of your rewards through purchases with that hotel group and redeeming your rewards for stays there as well.

IHG® Rewards Club Premier Credit Card vs. Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

Learn More

Right now the Hilton Honors American Express Ascend Card is offering a monster welcome offer opportunity: 100,000 bonus points after spending $2,000 in the first three months. Terms apply. See Rates and Fees. One drawback with the Hilton card is that you’ll need to spend at least $15,000 on your card each calendar year to earn a weekend night stay reward, which does give the IHG card an advantage over this card in that there's no spending threshold to earn the reward night on the IHG card.

On an ongoing basis, you’ll earn 12 points per $1 spent at participating Hilton properties with the Hilton Honors American Express Ascend Card; six points per $1 spent at U.S. restaurants, U.S. gas stations and U.S. restaurants; and three points per $1 on all your other purchases. That means you stand to earn substantially more points on your everyday purchases with the Hilton card than you do with the IHG card. Cardholders also enjoy 10 complimentary airport lounge visits each year with this card, a rare perk on a card with only a $95 annual fee.

Once again, this decision will come down to loyalty – do you have it to Hilton or to IHG? All other perks aside, that question should be the first you answer.

IHG® Rewards Club Premier Credit Card vs. Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Learn More

This is an interesting comparison because, while the Chase Sapphire Preferred® Card is a general travel rewards card, you can transfer your Ultimate Rewards® points earned with the card to your IHG Rewards Club and redeem them directly through the hotel’s loyalty program. In other words, both cards could technically help you earn discounted stays at IHG properties; it’s just that the Chase Sapphire Preferred® Card offers you the flexibility to use your points for lots of other discounted or free travel as well.

New Chase Sapphire Preferred® Card members can earn 50,000 bonus points after spending $4,000 in the first three months of card membership. You could choose to transfer all of those points to one of several Ultimate Rewards® airline or hotel partners (including IHG, as mentioned above) or you could redeem them directly through the Ultimate Rewards® portal where your points are worth 25 percent more. That means the bonus is worth as much as $625 in travel.

All that said, you’re still dealing with a general travel rewards card and not a brand-specific card, so you will miss out on those loyalty perks offered by the IHG® Rewards Club Premier Credit Card. These cards charge similar annual fees: $95, waived the first year for the Chase Sapphire Preferred® Card and $89, NOT waived the first year for the IHG® Rewards Club Premier Credit Card.

Who Should Get This Card?

Loyal customers of IHG® and business travelers who only stay at its hotels every time they travel should definitely consider the IHG® Rewards Club Premier Credit Card. The perks that come with Platinum Elite Status, the free night opportunities, the hefty welcome bonus and the ongoing rewards earning should entice customers who are looking for a hotel they can call a home away from home.

This page was last updated on July 13, 2018

This card compared to other travel rewards cards

Rewards
10 points per $1 spent when you stay at an IHG hotel.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
2 Miles per dollar on every purchase, every day.
Bonus Rewards
Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Regular APR
17.74% - 24.74% Variable
17.49% - 26.49% Variable 
14.74% - 24.74% (Variable) 
Annual Fee
$89
$95
$0 intro for first year; $95 after that
Rates and Fees
CardRatings.com Editorial Staff

IHG® Rewards Club Premier Credit Card details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
N/A
Regular APR
17.74% - 24.74% Variable
Annual Fee
$89

What Chase says about this card

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Earn 5,000 bonus points after you add your first authorized user and make your first purchase in the first three months from account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
  • Earn 10 points 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 I

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Featured offers
Currently available on the IHG® Rewards Club Premier Credit Card
Earn 80,000 bonus points
After spending $2,000 on purchases within the first three months of account opening
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Apply online for Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

  • Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Good, Excellent
Apply online for Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Credit Needed:
Excellent, Good