Biggest Ever 125,000 Point Bonus on the IHG Rewards Premier Card

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Chase has published the biggest signup offer we've seen to date on the popular IHG® Rewards Club Premier Credit Card, announcing a new offer of 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

The card is already a great long-term value thanks to the high earning rate on IHG purchases, complimentary elite status, and a free-night certificate each year you hold the card. The new 125,000 bonus points offer is an all-time high since this card launched—the current deal is a 56% increase over the standard bonus of 80,000 points.

IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Premier Credit Card
Annual Fee$89
Welcome Bonus Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
  • Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of 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 40 points total per $1 spent when you stay at an IHG hotel for the first 12 months - after that, 25X points.
  • Earn 4X points on all other purchases for the first 12 months - after that, 2X points at gas stations, grocery stores, and restaurants and 1 point per $1 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 Inn®
Earn More Points for the First 12 Months
  • Earn 40 points total per $1 spent when you stay at an IHG hotel
  • Earn 4 points per $1 spent on everything else

Great Earning Rates After the First 12 Months
  • Earn 25 points total per $1 spent when you stay at an IHG hotel
  • 2X points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • 1X point per $1 spent on all other purchases

Earn More Points in Your First Year

In addition to the great welcome offer, Chase has sweetened the deal by awarding extra points on your spending with the card for the first 12 months. As an IHG Rewards Club member (without elite status), you already earn up to 10 points per dollar spent at IHG properties regardless of what card you use to pay.

If you have the IHG Rewards Premier Card, you'll get 5 extra points for being a Platinum elite, and 10 extra points for using your card on IHG purchases (for a total haul of 25 points per dollar).  While 25 points per dollar is already an impressive return on spend, the current welcome offer bumps that rate up to 40 total points per dollar in your first year.

Even better, Chase decided to up the ante on non-IHG spend in the first year as well. For the first 12 months, you'll earn four points per dollar on all other purchases. After the first year, you'll get two points per dollar on purchases at gas stations, grocery stores, and restaurants, and one point per dollar on everything else.

Feature Benefits of the IHG Rewards Premier Card

  • Anniversary Free Night Certificate — The hero benefit of the IHG Rewards Premier Card and the reason it pays for itself over the longterm. The anniversary free night is valid for any IHG property up to the value of 40,000 points per night.
  • Fourth Night Free — Akin to a 25% discount on award stays of four nights, cardholders receive the fourth night free on award redemptions. Essentially, redeem your points for a four-night stay at an IHG property, and IHG will only charge you for three nights—four nights for the price of three!
  • IHG Platinum Elite Status — Receive Platinum Elite Status for as long as you retain the IHG Rewards Premier Card. While not as feature-rich as the best mid-tier hotel elite status, Platinum Elite members receive perks like complimentary upgrades and late checkout when available, plus you’ll earn up to 15X points per dollar spent at most IHG brands. Including the bonus points from your IHG Rewards Premier Card, that’s 25X points per dollar spent with IHG!
  • Save 20% on Points Purchases — There are situations when buying points can save you a bundle compared to paying cash for your stay. It's important to note that, according to the terms and conditions, the 20% discount on points purchases can't be combined with other deals or discounts. In other words, you likely won't be able to combine this with the regular points sales where IHG sells points for as little as 0.5¢ each. Still, the benefit could be a great value when you buy points to redeem for PointBreaks properties or high-end redemptions like Kimpton hotels.
  • Global Entry/TSA PreCheck Credit — Cardholders receive a credit every four years up to the value of $100.

Best Ways to Redeem IHG Rewards Club Points

IHG is best known in the award travel community for its quarterly PointBreaks promotions, which offer a list of hotels at heavily discounted award rates as low as 5,000 points per night. PointBreaks redemptions cost either 5K, 10K, and 15K points, depending on the hotel, and you can compound the value received by utilizing the fourth-night-free perk and staying four nights for the price of three!

Outside of PointBreaks promos, IHG free nights range in price from 10,000 points per night for a Category 1 hotel up to 70,000 points per night for a premium Category 13 property. While the lion's share of IHG redemptions return a consistent value around the ~0.5¢ per point mark, we've shared a list of our top IHG Rewards Club redemptions, alongside some exceptional properties that come in under the critical 40,000 point mark, perfect for your IHG free night.

Another unique feature of IHG Rewards Club is the ability to use a mix of points and cash when booking a hotel stay. If you don’t have enough points in your account to book your desired hotel, or want to extend your stay past what your points alone will allow, you can use a mix of points and cash to secure your booking. Plus, there's a quick workaround that allows you to use points and cash bookings to pick up IHG points for as little as half a cent each!

Application Restrictions

Chase imposes multiple restrictions on rewards credit card applications. The first is a published application rule stating you can’t get the IHG Rewards Premier Card if you currently hold the card or have received a signup bonus for it in the previous 24 months.

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.

The second, unpublished set of rules is Chase’s 5/24 policy, which restricts approvals to folks that have fewer than five new credit cards opened in the preceding 24 months leading up to your application. If you’ve been approved for five or more personal credit cards in the previous 24 months, you won’t be approved for this card.

Final Thoughts

The increased 125,000 bonus points on the IHG Rewards Premier Card is the highest bonus this card has offered since it launched back in 2017, providing enough points for one to two nights at a top IHG property, or as many as 25 nights if redeemed for the lowest PointBreaks redemptions (even more if you utilize the fourth night free perk). In addition to the massive bonus, you’ll get an anniversary free night certificate each year good for properties up to 40,000 points per night, Platinum Elite status for as long as you hold the card, and a 20% discount when purchasing points. If you’ve had this card on your radar, now’s the time to pull the trigger and secure the biggest bonus this card has ever offered.

Biggest Ever 125,000 Point Bonus on the IHG Rewards Premier Card
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  • 125k points is a big offer but remember the value of the points compared to other programs

    • Exactly. While I think I might actually jump on this card offer, @sd makes a good point, because for me, IHG is definitely not my hotel chain of choice for either paid or award stays, simply because the on-property benefits for mid-tier elite members (i.e. Platinum) pretty much pale in comparison to Hilton.

  • Wow that’s a lot of bonus points! And for only $3000 spend.

  • Can you get this card and reward if you have the IHG reward card $49 annual fee (not the Premier Card)?

    Love your blog!!

  • Steven William Van Meter says:

    I could sure use the 125,000 bonus points they offer. With a 40 point per dollar offer, that’s really hard to beat.

  • does it give you 10% rebate on award stays?

  • This is great, once my 5/24 is up this will be the next card I add to the wallet.

  • This sounds like a great opportunity. However, I am pretty sure I am under the Chase 5/24 rule and need to wait a few more months. Hopefully, this offer will be extended or come back in a few months or a year!

  • Andrew Choi says:

    IHG Rewards Premier Card’s anniversary free night at IHG property is personally my favorite feature.
    However, Fourth Night Free at an IHG property is a big competitor too. thanks for the blog post!

  • I dont feel too bad we got it with there last bump at 80k+50k so we only lost out on 5k points. Cheapest high level status if you like to play the status match game for vegas/ac

  • looks like it’s time to give IHG a try

  • The ever increasing bonuses are needed for the devaluations.

  • IHG, in my opinion, has very poor account security. My account was compromised and the points were used on Singapore Airlines tickets. Give your business to another hotel company.

  • Livethedreamqq says:

    This offer is pretty hard to pass on for those who have had their eye on this card. Another nice perk of the cars is a free night for every consecutive 4 nights booked with points.

  • What a great offer! To bad that one cannot have two IHG premier credit cards.

  • May be time for 2nd player to get this one. Thanks for the info.

  • 40 points per dollar is awesome! Better than the Hilton Aspire return.

  • Decent upgrade to their existing offer. Still only worth about 625 though, and good luck trying to find any points breaks redemptions – they have drastically reduced the number and if you dont book them on day 1 very few options are left. With that said, for an 89 annual fee the card is worth it just for the one free night.

  • Hi, how long is this offer good for? I don’t see a date.
    Also, I do own the 49$AF IHG card . Would you recommend closing this one when I open the new one? I don’t want to keep both . Thank you

    • Hey Ania, no date has been announced that I’m aware of for this offer. Definitely don’t cancel the IHG Club Select card!! You get a free night just for having the card, and a 10% points rebate on points redeemed.

  • I got this card last year when the sign up bonus was 100K, and I thought that was as high as it would go.
    But just one year later, Chase is showing that sign up bonus points can go beyond 100K points…this gives me hope that other Chase cards could also come with better offers soon.

  • I have the old IHG reward card ($49 annual fee) and know that I can have both. My point is that while I was logged in and searching the IHG website for room availability, at the bottom of one page was an offer for the new card that also included a $50 statement credit. Look around on their website. You might be able to do even $50 better.

  • I currently have the old IHG® select card and I am torn whether to switch to the new card. I contacted IHG and after speaking to them decided to stay with what I have. The 125K and increased benefits are tempting but after the first year the perks are the same as my current card for a higher annual fee. I don’t want both cards and if I cancel the Select card, it is no longer available. Maybe I made the wrong choice as those extra points are calling me. If anyone has an opinion on what would be best please let me know.

  • Any thoughts on how long this offer will last?

  • Does the 4th night free benefit apply to all-inclusives? IHG A-Is are not nearly at the level of others, but it is still worth asking.

  • The four points per dollar on non-bonus spend in the first year is very interesting. Any idea how long this sign-up offer will last (or historical data that allows for an educated guess)?

  • Are there any upgrade offers available at this time? Previously I think they were only offering 5,000 points, which seemed low to me at the time given the benefits I would be giving up.

  • Do we have any idea how long this offer will be available for? I have the $49 annual fee card which renews Sept 1 and would prefer to more closely sync the free reward nights (since it makes it easier to combine them).

    • No info has been released on the end date for the offer as far as we know. Keep in mind the AFN credit is good for 12 months from the date of issue. So you shouldn’t have trouble using them together if the renewal dates for the cards are a few weeks (or even months) apart.

  • This is certainly a great offer but there is a mistake in the information about the benefits. The 20% discount on points purchase only applies to “non-promo” purchases. It is very clearly specified in their T&C that if you are buying the points during promos (like for 0.5 c per point), you WILL NOT get the 20% discount.

    Maybe that should be corrected.

  • This vs. Hilton Biz – thoughts/suggestions?

  • The biggest problem with IHG in my opinion is most of the hotels are lower tier so the room rates aren’t very high anyway. Anything that is a more expensive hotel is more than 40,000 points and you can’t use the certificate. So it’s hard to get more than $150 value for a certificate. $95/year for a certificate worth $125-$150 that you have to use or lose within a year isn’t worth it. Also at Intercontinentals you don’t even get any status benefit for being IHG Platinum, not even free breakfast. 40,000 doesn’t even get you an airport hotel at a major city. So it’s hard to use unless you visit small, cheap towns or cheap countries.

    My husband and I both have the $49 card, but that is enough.

  • very good offer! Thanks for share

  • The bonus points are generous. Seems like the anniversary night compensates the annual fee. Not to mention the other benefits.

  • Keep in mind the capped free award, makes this card much less valuable then it was in the past. But if you are going to go for it this is the time as I think 125k is the highest it will go.

  • miscellaneousairlineaccount says:

    This is a Chase card? I know this is a long-shot, but can the bonus points on this card be transferred to Chase Ultimate Rewards?

    • Nope, unfortunately, this card earns points directly with IHG, so you can’t use Chase Ultimate Rewards transfer partners. IHG points can be transferred, but the rates are so bad it isn’t even worth considering. You should really be getting this card for the benefits and with a plan to use the points for a great IHG stay.

  • This sounds great on the surface, but searching on the IHG app reward availability doesn’t look great, especially for searches to accommodate 2 adults and 4 children in one room. Can anybody comment on how reward availability or availability of rooms that sleep 6 compared to other brands?

  • Sounds pretty good. Any info on when the offer is good until?

  • Do you know whether IGH reward points expire? — thanks, ann

  • Any recommendations for IHG properties in Japan?

  • Time to give IHG a try

  • With their best properties now costing 100K/night, maybe its just making up for that

  • What are ways to maximize IHG points?

  • that looks like a decent reward for who frequently make IHG purchases

  • very good offer and article. thanks for the share.

  • Points getting devalued, card bonuses have to keep up!

  • thanks so much. Is the free anniversary night on this card the same as for the previous IHG card with the lower annual fee? or is this one better?

  • Dexter Ohama says:

    Wow, this is by far the biggest offer I have seen yet! I love the IHG card benefits.

  • I liked IHG but they devalued the points so much. Highest ever offer but they also increase points needed for award nights..

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