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2020 Review: IHG® Rewards Club Premier Credit Card – High Rewards and Added Amenities

Updated Sep 30, 2020 | Published Jul 14, 202014 min read

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IHG® Rewards Club Premier Credit Card

Min Credit Level Good
Annual Fee $0 introductory annual fee for the first year, then $89
Regular APR 15.99% - 22.99% Variable
At a glance

The IHG Rewards Club Premier Credit Card boasts a high 25X points per dollar at IHG properties, and features useful perks like Platinum Elite status enrollment, a Global Entry or TSA PreCheck credit, and a complimentary fourth award night stay. The other rewards are pretty minimal, so it should only be considered by people who prefer staying with IHG.

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Our Rating: 5 Out of 5 Stars

We give the IHG® Rewards Club Premier Credit Card 5 out of 5 Stars. It’s a highly rewarding option for people who prefer to stay at IHG properties.

Why We Like It

  • High rewards — a total of 25X points per dollar at IHG
  • Useful bonus categories for gas, groceries, and dining
  • 140,000 bonus points for spending $3,000 in the first 3 months
  • Automatic enrollment into Platinum Elite status
  • Useful benefits including free nights and Global Entry/TSA PreCheck fee credit

Why It Could Be Better

  • Low point values
  • Low point-to-miles transfer rate

IHG® Rewards Club Premier Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0 introductory annual fee for the first year, then $89
Regular APR15.99% - 22.99% Variable

The IHG Rewards Club Premier Credit Card is a great tool for anyone who prefers staying at InterContinental Hotels Group (IHG) properties.

Not only is it an incredibly rewarding card when used at one of IHG’s properties, it offers a slew of helpful perks like enrollment into Platinum Elite status and a Global Entry or TSA PreCheck credit.

Ideally your rewards will accumulate quickly, depending on how often you stay with IHG, giving you plenty of opportunities for free night stays. And the annual fee ($0 introductory annual fee for the first year, then $89) is pretty negligible when you take the yearly free night into account.

While it does offer a high number of points and benefits geared at IHG properties, the other rewards are relatively minimal. So if you prefer a different hotel brand, it’s probably not the card for you.

There’s another card offered by IHG that has less impressive perks and rewards but doesn’t require an annual fee. You can compare the two below:

Card Annual Fee Rewards
IHG® Rewards Club Traveler Credit Card (Review) $0
  • 15X points per dollar on purchases at IHG
    • 5X Bonus points from the card
    • 10X Base points from IHG Member status
  • 100,000 bonus points for spending $2,000 in the first 3 months
IHG® Rewards Club Premier Credit Card (This review) $0 introductory annual fee for the first year, then $89
  • 25X points per dollar on purchases at IHG
    • 10X Bonus points from the card
    • 15X Base points from Platinum Elite status
  • 140,000 bonus points for spending $3,000 in the first 3 months

Insider Advice: Getting the Most Out of Your Card

  • Reap the rewards: You’ll earn a whopping 25X points per dollar on purchases at IHG properties, thanks to the card and your Platinum membership.
  • Aim high: If you manage to reach the welcome bonus of 140,000 bonus points for spending $3,000 in the first 3 months, depending on where you’re headed, you’ll likely be able to get a few night stays. And, the bonus will be all the sweeter with the rewards you’ll earn along the way.
  • One of the elite: With Platinum Elite status, you’ll gain a few amenities aimed at making your hotel stint more comfortable. These include complimentary room upgrades when they’re available, priority check-in, and you’ll be able to opt for extended checkout.
  • Save your points: Whenever you redeem for four award nights or more, you’ll automatically get the fourth night for free. It would be a good idea to hold on to your points if you’ve got a trip coming up.
  • Use your yearly gift: Each year on your cardmember anniversary you’ll be gifted one free night, so remember to use it. You can redeem your free night at a hotel that has a night redemption value of 40,000 points or fewer. It must be redeemed within 12 months from date of issue.
  • Avoid some airport hassle: This card comes equipped with a Global Entry or TSA PreCheck application fee credit of up to $100 every four years. Don’t forget to apply and get to your plane a little faster.

The Rewards

This is where the IHG Rewards Club Premier shines. You’ll earn 10X points per dollar from the card, and another 15X points from your Platinum Elite status for a combined 25X points per dollar at IHG.

So if you’re typically seeing a point value of 0.6–1 cent, assuming you’re earning in the 25X category, you’re looking at a cash back equivalent of 15%–25%.

Earning

Spending Rewards
  • 25X points per dollar at IHG hotels and resorts:
    • 10X Bonus points from the card
    • 15X Base points from IHG Platinum Elite status
  • 2X Bonus points per dollar at:
    • Gas stations
    • Restaurants
    • Grocery stores
  • 1X Bonus point per dollar for all other purchases
Introductory Bonus Offer
  • 140,000 bonus points for spending $3,000 in the first 3 months

The welcome bonus is large enough to get you a few free nights depending on where you stay, and if you travel frequently, it might not be too difficult to reach.

Redeeming

When it comes time to redeem your points, you have a few different routes you can take. The focus of the card is to redeem for reward nights at IHG properties, but you can do a few other things as well. You can:

  • Redeem your points for a wide range of merchandise and gift cards
  • Donate them to IHG’s disaster relief program
  • Gift them to other IHG members
  • Transfer your points to miles through one of IHG’s airline partners

Most point-to-mile transfers carry a 5:1 ratio, but others are less. A few airline partners have 40:1, 250:1, or even 400:1 transfer rates, so your best bet is usually to redeem your points for reward nights.

Airline Partners

Here are IHG’s airline partners.

AIR MILES reward miles Hainan Airlines
Aeromexico Hawaiian Airlines
Aeroplan Iberia Airlines
Air China Japan Airlines
Air France Jet Airways
Air New Zealand Airports JetBlue TrueBlue
Alaska Airlines KLM
Alitalia MilleMiglia Lanchile
All Nippon Airways LifeMiles
American Airlines AAdvantage Malaysia Airlines
Asia Miles Qantas Airlines
Asiana Airlines Saudi Arabian Airlines
British Airways Singapore Airlines
China Eastern South African Airways
China Southern Airlines TAP Air Portugal
Delta SkyMiles Thai Airways Royal Orchid Plus
El Al Israel Airlines United Airlines
Emirates Velocity Frequent Flyer
Etihad Airways Virgin Atlantic
Gulf Air

How Do I Redeem My Reward Points for IHG Hotel Stays?

Just go to IHG’s website and you’ll be able to search for the hotel you want to stay at, and when. You can choose if you want to use your points for reward nights or if you want to find the best rate from the drop-down box.

In some cases, hotel properties are divided into categories determined by how lavish the rooms are, and your point values are typically similar for specific categories.

But IHG has recently adopted a dynamic point pricing system, which means the number of points it takes to get a free night will fluctuate like the cash price of the room would.

We ran through a few examples so you can get an idea of the kind of value you might see for your points. Here’s what a weekend stay could cost you:

Location Cash (per night, including tax and fees) Points (per night) Point Value
Holiday Inn
Philadelphia-Cherry Hill
$150.48 12,500 1.20 cents
Crowne Plaza Denver $139.56 17,500 0.80 cents
InterContinental Hotels
Houston – Medical Center
$200.91 25,000 0.80 cents
InterContinental Hotels
Chicago Magnificent Mile
$238.66 28,750 0.83 cents
Kimpton
Muse Hotel
$205.23 40,000 0.51 cents
InterContinental Hotels
Los Angeles Downtown
$335.79 40,000 0.84 cents

So the point values aren’t always great, but they’re better than what you would likely see if you decided to transfer them to miles. And since you’re earning a whole lot of points per dollar, you’ll still get a pretty good deal even with a low point value. It appears you’ll find the best value for your points at the lowest and highest point requirements, but because it’s a dynamic point system, that may not always be the case.

As long as you’re planning your trip far enough in advance, you could check different hotels to compare where you’d get the better per-point value.

The Benefits

The benefits package is pretty good, with the most value coming from the free anniversary night, Platinum Elite status, and Global Entry or TSA PreCheck fee credit. The rest mostly consist of basic shopping and travel protections.

  • Free night stay: Get a free stay each account anniversary year, starting after your first year. You can redeem your free night at a hotel that has a night redemption value of 40,000 points or fewer. It must be redeemed within 12 months from date of issue.
  • Fourth reward night free: When you redeem your points for four nights or more, you’ll get the fourth night free.
  • Platinum Elite status enrollment: You’ll automatically be enrolled into IHG’s Platinum Elite status, which provides a 50% bonus to Base points earned, complimentary room upgrades, priority check-in, and extended checkout.
  • Global Entry or TSA PreCheck fee credit: Every four years get up to $100 for either Global Entry or TSA PreCheck application fees.
  • Travel Accident Insurance: When you use your card to pay for travel, you and yours will be covered against accidental death and dismemberment by up to $500,000.
  • Travel and Emergency Assistance Services: In a pinch away from home? Call the Benefit Administrator for help.
  • Auto Rental Collision Damage Waiver: Decline the company’s offer and charge the full amount to your card and your rental will get secondary coverage against damage and theft.
  • Baggage Delay Insurance: If your luggage is delayed for more than six hours you’ll be reimbursed for up to $100 per day, for three days, so you can make essential purchases like toiletries.
  • Lost Luggage Reimbursement: If you or a family member suffers damage to your luggage or your bags become lost due to the carrier, you’re covered up to $3,000 per person.
  • Trip Cancellation/Interruption Insurance: If your trip is unexpectedly ended or upset by sickness, weather, or other covered situations, you’ll be reimbursed by up to $5,000.
  • Cell Phone Protection: Your phone is covered against theft and damage up to $600 per claim, and up to $1,000 per year, as long as you pay your phone bill with your card.
  • Purchase Protection: Your new purchases are covered for damage and theft for 120 days, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: If you’ve got an eligible warranty for three years or less on a purchase, you’ll get an additional year from the card.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
15.99% - 22.99% Variable 15.99% - 22.99% Variable 24.99% Variable
Annual Fee Foreign Transaction Fee
$0 introductory annual fee for the first year, then $89 $0
Balance Transfer Fee Cash Advance Fee
Either $5 or 5% of the amount of each transfer, whichever is greater. Either $10 or 5% of the amount of each transaction, whichever is greater.
Penalty APR Late Fee Returned Payment Fee
None Up to $39 Up to $39

The Bottom Line

The IHG® Rewards Club Premier Credit Card is best suited for people who frequently stay at IHG properties. It earns a high number of points that can be redeemed for award nights, and features a few useful perks like enrollment into Platinum Elite status.

Both of those benefits help mitigate the annual fee. If you’re getting a night’s stay that’s worth $200 or more, that covers your fee and then some.

And while the point values themselves may fluctuate, you’ll still see a strong cash back equivalent thanks to the 25X point multiplier.

Insider tip

Take a look to see if other hotel credit cards, some tied to specific hotel brands, some not, might suit you better.

How Do I Apply for the IHG Rewards Club Premier Credit Card?

Just follow the link below to apply. You’ll be directed to the credit card issuer’s site where you can securely fill out an application. You’ll typically hear back instantly if you’ve been approved or not.

What Credit Scores Do I Need to Qualify for the IHG Rewards Club Premier Credit Card?

The IHG Rewards Club Premier Credit Card is recommended for people with good credit.

If you’re within 670–739 for FICO or 700–749 for VantageScore, you’re considered to have good credit.

Don’t be discouraged if you’re not within or above that range. While it is better if you are, there are other factors that credit card issuers take into account when deciding to approve you or not, as well. These can include things like income and where it comes from.

Sometimes people with lower scores than what are recommended can be approved. However, people with the appropriate credit scores can still be denied. In the end it all comes down to the credit card issuer’s discretion.

Qualifications and Requirements

  • Must be 18 to apply (19 in Alabama/Nebraska, 21 in Puerto Rico)
  • Personal identifying information: Birth date, Social Security number, mother’s maiden name
  • Address and contact information: Email, phone number, address, type of residence
  • Financial information: Total annual income, source of income
  • IHG Rewards membership number, if available

IHG® Rewards Club Premier Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0 introductory annual fee for the first year, then $89
Regular APR15.99% - 22.99% Variable

Frequently Asked Questions

What are my IHG reward points worth?

Your points, on average, are worth about 0.6–1 cent each according to our research. Check out some point value examples we ran through, and see your options when it comes time to redeem your points.

Can I get free nights with the IHG Rewards Club Premier Credit Card?

Yes, you’ll get one free night every year on your cardholder anniversary. You’ll also get the fourth night free anytime you redeem your points for four nights or more.

Take a look at the complete list of the benefits you’ll get with your card.

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Alternatives to the IHG Rewards Club Premier Credit Card

Hilton Honors American Express Surpass® Card

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securely on the issuer's website

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securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.74% - 24.74% Variable

Rates & Fees

The Hilton Honors American Express Surpass® Card (Review) provides a great deal of rewards for Hilton patrons, and aims to make your stay more comfortable.

While the point values are a bit lower than the IHG Premier card, the per-dollar rewards are a bit higher. Hilton points are worth around 0.4–1 cent, while IHG points are worth around 0.6–1 cent. That means you’re looking at cash back equivalents of 12%–30% and 15%–25% respectively. So you have the potential of earning more with the Hilton card, but the cash back equivalent won’t be as consistently high as the IHG card.

They differ somewhat in their benefits, particularly in the yearly reward night. With the Hilton Surpass, in order to qualify for the annual free night you’ll first need to spend $15,000 in a calendar year. The IHG Premier card doesn’t require a spending limit for its annual free night.

The Hilton Gold Elite status you’re automatically enrolled in is slightly different than the Platinum Elite status offered by IHG. The bonus to Base points is slightly higher, you get free breakfast, and rather than receiving your fourth night free when redeeming for four nights or more, the Hilton card requires five nights for the fifth night free.

You’ll have a shot at a higher cash back equivalent, and will gain a larger Base point bonus and coveted airport lounge access. But it’s a bit more difficult to obtain free award nights, so you’ll have to weigh which perks are more important.

Spending Rewards
  • 12X Hilton Honors Bonus points for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points at:
    • U.S. restaurants
    • U.S. supermarkets
    • U.S. gas stations
  • 3X Hilton Honors Bonus points on all other eligible purchases
Introductory Bonus Offer
  • 130,000 Hilton Honors Bonus points for spending $2,000 in the first 3 months

Additionally, members will earn another 18X Base points per dollar at Hilton thanks to the Hilton Honors Gold membership.

That brings your points per dollar to a strong 30X at Hilton, providing a potential cash back equivalent of 12%–30%.

  • Annual Weekend Night Reward: You’ll get a free weekend night after spending $15,000 on purchases in any calendar year. A redeemable code will be emailed to you after meeting the threshold.
  • Complimentary Hilton Honors Gold status: Cardholders get Hilton Honors Gold status, which is two tiers above the basic Member status. It comes with some nice benefits, like an 80% bonus on all Base points earned and complimentary room upgrades when they’re available.
  • Fast track to Hilton Honors Diamond status: Cardholders will be awarded with Hilton Honors Diamond status if purchases for a given year reach $40,000. Diamond status comes with better benefits than Gold, including a 100% bonus on Base points and a 48-hour room guarantee.
  • Priority Pass Select access: Cardholders get access to over 1,300 Priority Pass airport lounges around the world. This does not grant access to non-lounge Priority Pass experiences. 10 free lounge visits are provided per year. After that, the entry fee will be $32 per person. You’ll need to manually enroll in this benefit.
  • Complimentary ShopRunner membership: Get free membership with ShopRunner, which provides free two-day shipping and returns from some online retailers. Cardholders must enroll in this benefit.
  • Amex Offers: You’ll have access to increased rewards at a wide variety of merchants that changes from time to time.
  • Entertainment Access: This benefit, also called Membership Experiences, provides pre-sale tickets to a variety of sports, music, and cultural events, as well as access to certain exclusive experiences.
  • Travel protections: Global Assist Hotline, car rental insurance, and baggage insurance plan
  • Shopping protections: Purchase protection and extended warranty
  • Purchase APR: 15.74% - 24.74% Variable
  • No foreign transaction fee
  • Annual fee: $95
  • Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® 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.

Marriott Bonvoy Boundless™ Credit Card

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 22.99% Variable

The Marriott Bonvoy Boundless™ Credit Card (Review) is another example of a co-branded hotel rewards card.

It features slightly fewer points per dollar than the IHG Premier card, but the point values are slightly higher. Typically, if you get a point value of 1–2 cents, you’d see a cash back equivalent of 17%–34% with the Marriott card, while the IHG sits at around 15%–25%. That means you could end up with a larger return on spend from the Marriott Bonvoy card.

The annual fee is slightly higher than the IHG card, but it still offers a free annual night which helps offset that. The automatic Silver Elite status offered is less impressive than the Platinum Elite provided by the IHG card. The Base point bonus is smaller, and there’s no opportunity for room upgrades.

So it can be a little more rewarding, and could be a great pick if you frequent Marriott Bonvoy properties.

Spending Rewards
  • 17X Marriott Bonvoy points per dollar at Marriott Bonvoy properties:
    • 6X Bonus points per dollar from the card
    • 11X Base points per dollar for Marriott Bonvoy Silver Elite status
  • 2X Marriott Bonvoy Bonus points on all other purchases
Introductory Bonus Offer
  • 5 Free Nights for spending $3,000 in the first 3 months
  • Annual free night stay: You’ll get one Free Night Award every year, beginning after your first account anniversary.
  • Automatic Silver Elite status: As a cardholder you’ll get complimentary Silver Elite status with Marriott. Normally you’d need to spend 10 qualifying nights at Marriott properties for this status level. This grants you perks like a 10% bonus on Marriott Bonvoy Base points and priority late check-in.
  • Path to Gold Elite status: Cardholders get a fast track to Marriott Gold Elite status by spending $35,000 in an account year. Usually it would take 25 qualifying night stays to reach this level.
  • 15 Elite Night Credits annually: You’ll receive 15 Elite Night Credits every year, on or before March 1. Elite Night Credits count towards your Elite status with Marriott.
  • Visa Signature Concierge Service: Call 1-800-953-7392 at any time to reach your personal assistant, who can help with non-emergency tasks.
  • Complimentary premium in-room WiFi: Cardholders get premium on-property WiFi internet access at participating locations. You must provide your loyalty member account number when checking in.
  • Premier Experience Events: Cardholders will occasionally get invitations to exclusive events through the Premier Experience Events program. There are a variety of events, like high-class dining and cooking lessons, rounds of golf, and meetings with exciting people.
  • Travel protections: Travel and emergency assistance service, lost luggage reimbursement, trip delay reimbursement, and rental car insurance
  • Shopping protections: Purchase protection and extended warranty protection
  • Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
  • No foreign transaction fee
  • Annual fee: $95

The World Of Hyatt Credit Card

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 22.99% Variable

The World Of Hyatt Credit Card (Review) provides solid rewards and strong benefits for those who love staying at Hyatt hotels and resorts.

You’ll earn fewer points per dollar but the value of your Hyatt points will typically be higher than your IHG points. Your cash back equivalent for the card will sit at about 18% for hotel expenses, if your points are valued at 2 cents. That’s a little less than the IHG Premier’s 15%–25% cash back equivalent.

While both cards feature a free annual night, World of Hyatt cardholders can earn an additional free night by spending $15,000 in a calendar year.

The annual fee is a little higher, but you shouldn’t notice it too much thanks to the free night and the additional one you might earn. There is one significant difference in their benefits however: The World of Hyatt card doesn’t offer a Global Entry/TSA PreCheck application fee credit. Other than that, they’re pretty comparable. In the end, it’ll come down to which property you’d prefer to stay with.

Spending Rewards
  • 9X World of Hyatt points per dollar on eligible net purchases at participating Hyatt hotels and resorts
    • 4X Bonus points from the card
    • 5X Base points from Discoverist membership
  • 2X World of Hyatt points per dollar on:
    • Dining
    • Airfare booked directly through airlines
    • Local transit/commuting
    • Fitness clubs and gym memberships
  • 1X World of Hyatt point per dollar for all other purchases
Introductory Bonus Offer
  • 25,000 points for spending $3,000 on purchases within the first 3 months; 25,000 points for spending $6,000 within the first 6 months
  • Free night award: You’ll receive a free night after the anniversary of your account opening, but you might have to wait 10 weeks after your anniversary date. You can use it to stay at any category 1–4 property.
  • Spend $15,000 for a free night: Make $15,000 in purchases in a calendar year and you’ll get an additional free night’s stay. You can use it to stay at any category 1–4 property.
  • World of Hyatt Discoverist status: You’ll get automatic Discoverist status which gets you a 10% point bonus, premium WiFi, and room upgrades when they’re available.
  • 5 Tier-Qualifying Night Credits each year: These credits help you advance to the higher tiers of the World of Hyatt membership.
  • Additional Tier-Qualifying Night Credits: You’ll earn two additional World of Hyatt Tier-Qualifying Night Credits for every $5,000 you spend.
  • Travel protections: Trip cancellation/trip interruption insurance, trip delay reimbursement, travel accident insurance, lost luggage reimbursement, baggage delay insurance, and rental car insurance
  • Shopping protections: Purchase protection
  • Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
  • No foreign transaction fee
  • Annual fee: $95

Chase Sapphire Preferred® Card

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securely on the issuer's website

Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 22.99% Variable

The Chase Sapphire Preferred® Card (Review) is different from the other cards here, as it’s a general-use travel rewards credit card.

While it doesn’t offer as many points per dollar as the IHG card does, it will allow you to earn outside of any one hotel brand. You’ll get 5X points per dollar on Lyft rides and 2X points per dollar on travel and dining. So it’s more flexible than the IHG card.

Two of its best features are its point transfer options and redemption methods. It has a 1:1 transfer rate to Chase’s hotel and airline partners, where you could find a point value of 2 cents or more. That’ll give you a cash back equivalent of 10% from the 5X point category and 4% from the 2X categories. So it’s not nearly as much as you would get with the IHG card, but you’ll have a larger selection of hotels to choose from, as well as other travel services like airlines and rental cars. There’s also a 25% bonus when you redeem for travel through Chase Ultimate Rewards.

You won’t get any hotel memberships or free nights, but you will get the Luxury Hotel & Resort Collection perk, which gives you special benefits at a wide selection of properties around the world. You’ll also get Chase Offers and Shop through Chase for some added value.

So if you don’t want to be tied to any one hotel, perhaps this is the route to take.

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides
  • 2X Ultimate Rewards points per dollar on:
    • Travel
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 80,000 bonus points for spending $4,000 in the first 3 months
  • DoorDash membership: You’ll get a free DoorDash membership for at least a year, known as a DashPass. This gives you free delivery and reduced service fees on orders over $12, which could help you save quite a bit if you tend to order out.
  • Luxury Hotel & Resort Collection: The Luxury Hotel & Resort Collection is provided by Chase, and includes benefits at a plethora of locations around the world.
  • Shop through Chase: Cardholders can get more points at select retailers with the Shop through Chase marketplace.
  • Chase Offers: Receive exclusive offers from a variety of different merchants through Chase.
  • Chase Preferred Experiences: As a Sapphire Preferred cardholder you’ll have access to exclusive events and experiences provided by Chase.
  • Visa Signature Concierge: You can call 1-800-953-7392 to speak with your Visa Signature Concierge, 24/7.
  • Travel protections: Trip delay reimbursement, trip cancellation/trip interruption insurance, baggage delay insurance, lost luggage reimbursement, travel and emergency assistance, travel accident insurance, rental car insurance, and roadside dispatch
  • Shopping protections: Purchase protection and extended warranty
  • Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
  • No foreign transaction fee
  • Annual fee: $95
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards(R).
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

IHG® Rewards Club Premier Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0 introductory annual fee for the first year, then $89
Regular APR15.99% - 22.99% Variable

Do you stay at IHG properties? How has the IHG Rewards Club Premier card made your time there more rewarding? Let us know below!

Read more Best Hotel Credit Cards

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

Written by

Evan Zimmer

Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.

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