IHG One Rewards Premier Credit score Card evaluation: Full particulars

IHG One Rewards Premier Credit score Card overview

The IHG One Rewards Premier Credit score Card (see charges and costs) presents a number of helpful perks for frequent IHG visitors. Nonetheless, you might not get sufficient ongoing worth from this card if IHG One Rewards is not your main lodge loyalty program. Card score*: ⭐⭐⭐⭐

*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

---

The IHG One Rewards Premier Credit score Card presents many perks for vacationers who often stick with IHG.

One perk alone — the anniversary free evening every year, legitimate for an evening costing as much as 40,000 factors — can simply present sufficient worth so that you can justify paying the IHG Premier’s annual price every year.

You may additionally get computerized Platinum Elite standing so long as you are a cardholder. And you will get a novel perk: a free fourth evening when redeeming factors for stays of 4 nights or extra.

We usually suggest that candidates have a credit score rating of at the very least 670 to extend their probabilities of being accepted for this card.

Now, let’s take a look at whether or not the IHG Premier Card is an efficient selection for you.

IHG One Rewards Premier execs and cons

IHG One Rewards Premier welcome supply

New IHG One Premier Card cardholders can earn 165,000 bonus factors after spending $3,000 on purchases within the first three months of account opening.

TPG’s September 2025 valuations peg IHG factors at 0.5 cents every, making this bonus price $825.

This limited-time supply is best than the usual 140,000-point bonus, however removed from the most effective supply we have seen on the cardboard, which provided 5 free nights (valued at 60,000 factors every).

Notice that you just will not be eligible for this card (or its bonus) in case you presently have any IHG private bank card or have earned a welcome bonus on one other IHG private bank card inside the final 24 months.

Nonetheless, this rule would not apply to holding the IHG One  Rewards Premier Enterprise Credit score Card (see charges and costs) or bonuses earned on that card. You additionally have to be beneath Chase’s 5/24 rule.

Associated: Need to open a brand new Chase card? Here is tips on how to calculate your 5/24 standing

IHG One Rewards Premier advantages

The IHG One Premier Card carries a comparatively modest $99 annual price. Nonetheless, the cardboard’s precise worth hinges on whether or not you will use the advantages often sufficient to justify that annual price. Here is an outline of the cardboard’s important IHG-related perks.

Anniversary free evening

Cardholders obtain a reward evening certificates legitimate for a one-night lodge keep at a property costing as much as 40,000 factors every year.

Though IHG makes use of dynamic award pricing, discovering an interesting redemption possibility to your certificates is not troublesome. For instance, I’ve redeemed anniversary free evening certificates for stays on the InterContinental Buenos Aires, InterContinental Madrid and Kimpton De Witt.

Notice that you need to use a vast variety of factors to prime off this certificates and use it for higher-priced properties. For instance, you possibly can ebook a room priced at 55,000 factors utilizing the free evening plus 15,000 factors out of your IHG One Rewards account.

Elite standing

IHG One Rewards Platinum Elite members take pleasure in 60% bonus earnings on paid stays when reserving straight with IHG One Rewards, room upgrades based mostly on availability at check-in, a welcome amenity and a number of other different perks.

There’s additionally a pathway to Diamond Elite standing by means of the tip of the following calendar yr after spending $40,000 on the cardboard in a calendar yr.

Fourth evening free

While you redeem factors for a keep of 4 nights or longer, you will pay zero factors for each fourth evening. If you’ll find 4 nights of consecutive award area at a property you want, this may be a good way to stretch your factors even additional.

In fact, the worth of this perk is dependent upon how often you redeem IHG factors for stays of at the very least 4 nights.

Different noteworthy perks

• 10,000 bonus factors after spending $20,000: You may earn 10,000 bonus factors and a $100 assertion credit score after spending $20,000 in a calendar yr. Primarily based on TPG’s September 2025 valuations, the bonus factors are price $50; mixed with the assertion credit score, this bonus could be price as much as $150. Nonetheless, take into account whether or not you will realistically spend $20,000 in your card throughout the calendar yr, particularly in case you can in any other case put these purchases on an on a regular basis spending card with a greater incomes charge.
• 20% off when shopping for IHG factors: You may save 20% in your buy of IHG factors once you pay along with your IHG Premier Card. Nonetheless, this low cost would not stack with different reductions when IHG places factors on sale. Notice that these factors are thought of non-qualifying, so they will not depend towards elite qualification, which means the worth can be minimal for many cardholders.

• Software price credit score for International Entry, TSA PreCheck or Nexus: You may get reimbursed as much as $120 each 4 years once you cost a International Entry, TSA PreCheck or Nexus software price to your card.
• United TravelBank money: You possibly can stand up to $50 in United TravelBank Money per calendar yr after linking your IHG Premier along with your MileagePlus account.
• Journey and buy protections: You may get perks like journey cancellation/interruption insurance coverage and buy safety.

These advantages could possibly be a critical issue when selecting a brand new bank card. Nonetheless, as mentioned within the subsequent part, you will not get a excessive return charge on most purchases with the IHG Premier Card.

Associated: Final-minute methods for incomes IHG One Rewards elite standing

Incomes factors on the IHG One Rewards Premier

Lodge bank cards often aren’t nice for incomes factors, however this card does nicely once you use it at IHG accommodations. Listed below are the incomes charges you possibly can count on:

• 10 factors per greenback spent on IHG stays
• 5 factors per greenback on all different journey
• 5 factors per greenback on eating (together with takeout and eligible supply providers) and at gasoline stations
• 3 factors per greenback on all different eligible purchases

While you mix the ten factors per greenback spent through the use of your card with the factors you will earn as an IHG Platinum Elite member, you will earn 26 factors per greenback spent on most IHG stays. Primarily based on TPG’s September 2025 valuations, this equates to a return on spending of 13% on IHG stays, 2.5% on journey and 1.5% on all different purchases.

These are respectable returns for these bonus classes, however are simply overwhelmed by many different playing cards.

Associated: Tips on how to earn IHG factors through stays, bank cards and extra

Redeeming factors on the IHG One Rewards Premier

IHG One Rewards doesn’t have an award chart; as an alternative, it makes use of dynamic award pricing. IHG’s web site states that nights begin at 10,000 factors, though we have seen nights priced as little as 5,000 factors.

And though there is no said most, the very best I’ve seen is 120,000 factors per evening (excluding Six Senses, which often prices extra).

However, even with IHG’s dynamic award pricing, it is nonetheless doable to maximise IHG One Rewards redemptions. And, with a little bit little bit of looking, you possibly can usually redeem IHG One Rewards factors for a larger worth than 0.5 cents per level.

You too can combine factors and money to your award stays. In some instances, this will present good worth. While you ebook this fashion, IHG sells you the additional factors after which debits your account for the complete variety of factors.

TPG publication and partnerships editor Emily Thompson takes benefit of this perk as usually as doable to maximise her IHG One Rewards factors.

Lastly, some vacationers consider IHG’s coverage on blackout dates makes it one of many weaker lodge packages for award evening availability. The phrases and situations of the IHG One Rewards program notice the next:

There are not any blackout dates for Reward Nights, nonetheless, room stock is proscribed and topic to prior sale.

So, whereas there are not any blackout dates per se, accommodations can restrict the variety of rooms they make accessible for award bookings.

Associated: Tips on how to maximize award redemptions with the IHG One Rewards program

Transferring factors on the IHG One Rewards Premier

IHG One has 35-plus airline switch companions, however I do not suggest utilizing your factors this fashion. Factors switch at an almost 5:1 ratio, which is on the decrease facet. Plus, transfers from IHG have been identified to take an prolonged time period.

You too can switch your factors to different IHG One Rewards members, beginning at $5 per 1,000-point block. Nonetheless, these transfers are free for Diamond and IHG Enterprise Rewards Program members for as much as 500,000 factors per calendar yr.

Which playing cards compete with the IHG One Rewards Premier?

If you happen to’re loyal to IHG, a card from one other lodge model won’t benefit your consideration. Nonetheless, one other card would possibly higher fit your wants.

For added choices, take a look at our full lists of the most effective lodge bank cards and the most effective playing cards for IHG stays.

Is the IHG One Rewards Premier price it?

If you happen to’re an IHG loyalist, you will simply get sufficient from this card’s advantages to justify the $99 annual price. The anniversary evening alone ought to cowl the annual price. Nonetheless, those that solely sometimes keep at IHG properties will probably favor a card with most versatile advantages.

Backside line

The IHG One Rewards Premier Credit score Card is a transparent winner for vacationers who keep at IHG properties with any frequency.

The annual free evening certificates alone can simply outweigh the $99 annual price, and pairing that with computerized Platinum Elite standing and the fourth-night-free profit makes this card exhausting to beat for loyalists. Add in a stable welcome bonus and elevated earnings at IHG accommodations, and frequent IHG visitors will see robust long-term worth.

That mentioned, in case you hardly ever ebook IHG stays or need extra versatile rewards, you will probably be higher off with a common journey rewards card.

---

Apply right here: IHG One Rewards Premier Credit score Card

---