IHG One Rewards Premier Credit score Card Evaluation
The IHG One Rewards Premier Credit score Card, issued by Chase, is among the greatest choices for vacationers who usually discover themselves staying at IHG properties. The cardboard offers you Platinum Elite standing and the choice to earn Diamond standing. You earn nice charges at IHG properties, however the worth of IHG Rewards factors will not be very excessive.
The IHG One Rewards Premier Credit score Card at present has a beneficiant sign-up bonus, plus a free night time after every account anniversary for a $99 annual charge.
Try the professionals and cons of the IHG One Rewards Premier Credit score Card and the total overview beneath.
| Execs | Cons |
| ✅ Good incomes charges, together with as much as 26x factors per $1 on IHG stays. | ❌ $99 annual charge. |
| ✅ Automated Platinum Elite standing. | ❌ Factors are usually not transferrable and are price simply lower than half a cent every. |
| ✅ Among the best ever signup bonuses. |
Welcome Supply
- If you join the IHG One Rewards Premier Credit score Card, you possibly can earn a bonus of 165,000 Bonus Factors after spending $3,000 within the first 3 months from account opening.
- Annual Charge: $99
- Supply expires 4/3/2024.
- DIRECT LINOkay
Contemplating that you may get a median worth of about half a cent per level, this bonus is price not less than $700. That is the best ever bonus provided for this bank card and you may actually get much more worth out the the factors, if you happen to intention to maximise them.
Incomes Rewards
The IHG One Rewards Premier Credit score Card earns as much as 26X factors on stays at IHG accommodations and as much as 5X all over the place else. Right here the way it works:
- Earn as much as 26 whole factors per $1 spent once you keep at an IHG lodge:
- 10 factors for paying with IHG One Rewards Premier Card.
- 10 factors as an IHG Rewards member.
- 6 factors from Platinum Elite Standing, an automated profit for cardmembers.
- 5 factors per $1 spent at fuel stations, journey and eating places.
- 3 factors per $1 spent on all different purchases.
The right way to Redeem Rewards
With co-branded lodge playing cards you all the time have some limitations in relation to redeeming factors. That’s why it is very important think about if you happen to plan to remain at eligible properties earlier than making use of. The IHG portfolio has 18 lodge manufacturers at 6,000+ locations. A number of the hottest names embrace Vacation Inn, InterContinental, Crowne Plaza, Kimpton, EVEN Resorts and Indigo Resorts.
IHG does have airline switch companions, however you’d get even much less worth out of your factors if you happen to redeem that approach. It’s also possible to use your factors for merchandise, present playing cards and donations, however the worth is once more subpar.
One of the simplest ways to make use of the factors is clearly by means of the IHG One Rewards program. This program doesn’t have an award chart and makes use of dynamic award pricing as an alternative. Usually you will get free nights ranging from 10,000 factors, however you’ll not often discover redemptions for as 5,000 factors per night time. At these redemption values you’ll not discover any wonderful properties. These will likely be on the different finish of the spectrum the place redemptions go as excessive as 120,000 factors per night time.
When you don’t have sufficient factors for a redemption, you may as well can combine factors and money for a reserving.
Major Perks and Advantages
The signup bonus is clearly the principle purpose to enroll in this bank card. However you may as well get extra perks and advantages that certainly enhance your IHG stays and supply extra worth. Maximizing all these advantages could make this card a keeper even lengthy phrases contemplating the low annual charge of $99.
Anniversary Free Evening
Cardmembers earn an Anniversary Free Evening certificates with a present level redemption cap of 40,000 factors on their account anniversary date annually. Simply this profit alone ought to cowl the annual charge.
Although there’s a redemption cap for the Anniversary Free Evening, cardmembers may also use factors from their IHG One Rewards account to redeem at accommodations above the 40,000 level degree. So if a lodge is priced at 60,000 factors per night time for instance, you should utilize the Anniversary Free Evening certificates and 20,000 factors.
IHG One Rewards Elite Standing
Cardmembers get automated Platinum Elite standing, which provides you 60% bonus earnings on prime of the bottom factors you earn by means of your IHG Rewards Membership membership. You additionally get assured reservation when booked not less than 72 hours upfront, a room improve based mostly on availability, a welcome amenity and another perks.
Cardmembers may also earn IHG One Rewards Diamond Elite standing after spending $40,000 on purchases with their card every calendar yr. That will increase the bonus incomes to 100% and offers you some extra perks. However it’s not definitely worth the effort contemplating the excessive spend requirement.
4th Evening Free
When cardmembers redeem factors for a consecutive four-night IHG lodge keep, they will obtain the fourth Reward Evening free redeemable at that very same lodge throughout that very same keep. If you’ll find 4 nights of consecutive award house at one in every of your favourite properties, this may be a good way to get extra worth in your factors.
Different Advantages
- Earn 10,000 bonus factors and a $100 assertion credit score after spending $20,000 on purchases in a calendar yr.
- Obtain a International Entry or TSA PreCheck® or NEXUS Assertion Credit score of as much as $100 each 4 years as reimbursement for the appliance charge charged to the cardboard
- As much as $50 United® TravelBank Money every calendar yr.
- Auto rental collision harm waiver once you use your card. Protection is secondary when renting throughout the U.S.
- Baggage delay insurance coverage as much as $100 a day for a most of three days
- Misplaced baggage reimbursement as much as $3,000 per passenger.
- Journey cancellation and journey interruption insurance coverage as much as $5,000 per particular person and as much as $10,000 per journey.
- Buy Safety and Prolonged Guarantee.
- No international transaction charges.
About IHG One Rewards
The recently-overhauled IHG One Rewards program can supply nice worth for the correct traveler. IHG has a wide range of manufacturers, from luxurious to very inexpensive. You possibly can select from greater than 6,000 properties in 100+ nations. Right here’s some primary details about this system, so you may have an thought of the worth that you simply would possibly count on.
- IHG Rewards Membership factors are price about half a cent every however you possibly can typically get a price of as much as 0.7 or 0.8 cents per level.
- Commonplace award nights sometimes begin at 10,000 based on the IHG award chart, although you would possibly see properties that value as excessive as 100,000 factors. It’s also possible to mix factors and money in your stays. Cardholders get the 4th Evening Free when redeeming factors for a consecutive four-night IHG lodge keep.
- IHG One Rewards members earn factors on qualifying stays at IHG properties. You sometimes get 10 factors for each $1 spent at most IHG accommodations, however you earn solely 5 factors per $1 spent at Candlewood Suites and Staybridge Suites. You then earn bonus factors based mostly in your IHG Elite standing. Spire Elite and Kimpton Internal Circle (invite solely) members earn a 100% bonus on base factors.
- IHG has partnerships with over 40 airways, permitting you to alternate IHG factors for airline miles in frequent flyer applications together with United, American, Delta, British Airways and Qantas. Within the different route, you possibly can switch Chase Final Rewards factors at a 1:1 ratio to IHG One Rewards.
IHG One Rewards Premier Evaluation: Guru’s Wrap-up
The IHG One Rewards Premier Credit score Card is price getting when there’s a huge welcome bonus, particularly if you happen to usually end up staying at IHG properties. You possibly can accumulate factors and earn free nights rapidly, so long as you possibly can keep loyal to the IHG One Rewards program.
The cardboard additionally offers perks like a free night time on each anniversary, automated Platinum Elite standing, a fourth-night-free reward on award stays, $50 United Airways credit score, and free International Entry, TSA PreCheck or NEXUS. These perks are definitely worth the $99 annual charge if you happen to truly use them.
However alternatively, the rewards you earn can solely be used on IHG stays and the worth of your factors is on common about 0.4 cents every. If you need extra journey choices, think about playing cards that provide you with extra flexibility comparable to Capital One Enterprise X, and Chase Sapphire Most well-liked to call just a few.
