IHG® Rewards Club Premier Credit Card

For People with
Good Credit



The IHG Rewards Club Premier Credit Card is a good card pick for anyone who frequently stays in IHG hotels, offering plentiful rewards and benefits.

Cardholders get 10X points per dollar at IHG, along with 2X points at gas stations, grocery stores, and restaurants. 1X point is earned for every other purchase.

An introductory offer of 80,000 bonus points is available after spending $2,000 in the first three months, and then another 40,000 bonus points after you spend $5,000 on purchases in the first six months. There’s also an annual bonus, providing 10,000 bonus points if you spend $20,000 and make one additional purchase in an account anniversary year.

IHG Rewards Club Platinum Elite status is complimentary, which comes with benefits like a 50% bonus on base points, no blackout dates on award nights, and room upgrades when available.

You’ll get an Anniversary Free Night each year after your card account anniversary, which means it starts after your first year with the card. That free night can be used for a room with a redemption level up to 40,000 points.

Other perks include a credit for the application fee of either Global Entry ($100) or TSA Pre✓ ($85). Your fourth reward night is free when using points to book stays of four or more nights.

This card costs $89 per year, and has no foreign transaction fees.

For People with
Good Credit



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Card Details



  • 10X points per dollar at IHG hotels
  • 2X points per dollar at:
    • Gas stations
    • Grocery stores
    • Restaurants
  • 1X point per dollar for all other purchases

Introductory Bonus

  • 80,000 bonus points for spending $2,000 in the first 3 months; 40,000 bonus points for spending $5,000 in the first 6 months

Yearly Bonus

  • 10,000 bonus points for spending $20,000 and making one additional purchase in an account anniversary year
Card Stats

Card Stats

Annual Fee $89
Additional Cards Annual Fee $0
Regular Purchase APR 18.24%–25.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $2,000
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 18.24%–25.24% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Complimentary IHG Rewards Club Platinum Elite Status

    Includes perks like a 50% bonus on base points, dedicated customer service, and room upgrades when available.

  • Anniversary Free Night

    One free night every year after your account anniversary, good for redemption levels of 40,000 points or less at eligible hotels.

  • Application Fee Credit for Global Entry or TSA Pre✓

    A statement credit for the application fee of Global Entry ($100) or TSA Pre✓ ($85) once every 4 years.

  • Fourth Reward Night Free

    A free reward night when redeeming points for stays of 4 nights or more.

  • Save 20% on Points Purchases

    A 20% discount on points purchased with your card.

  • Behind the Scenes

    Exclusive invitations to food, sports, and entertainment events.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • Real-Time Fraud Monitoring

    Monitors your card transactions and provides alerts if fraudulent activity is suspected.

  • Price Protection

    Provides reimbursement if an eligible item you bought is found being sold for less elsewhere, up to $500 per item.

  • Purchase Protection

    Eligible purchases are covered against damage and theft for 120 days.

  • Extended Warranty Protection

    Eligible manufacturer’s warranties of 3 years or less can be extended by an additional year.

  • Trip Cancellation/Trip Interruption Insurance

    Provides up to $5,000 in reimbursement if your trip is cancelled or interrupted for an eligible reason, like sickness or severe weather.

  • Travel Accident Insurance

    Coverage against accidental death and dismemberment when traveling by common carrier, up to $500,000.

  • Travel and Emergency Assistance Services

    Call for help with travel emergencies, including legal and medical referrals.

  • Lost Luggage Reimbursement

    If your checked or carry on luggage is damaged or lost, you’re covered up to $3,000 per passenger.

  • Baggage Delay Insurance

    Provides reimbursement for essential purchases, like toiletries and clothing, if your bags are delayed over 6 hours. Up to $100 per day for 3 days.

  • Auto Rental Collision Damage Waiver

    Coverage against theft and collision damage for eligible rental cars, when you decline the rental company’s own insurance.

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