Get 125,000 Points and a Reward Night with the IHG Rewards Premier Card

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Chase has launched an excellent offer of 125,000 bonus points plus a Reward Night on the IHG® Rewards Club Premier Credit Card, possibly the best offer we've seen on this card.

Is the IHG Rewards Premier Card worth $89 per year over the long term? For many, the answer should be a resounding “yes”. To help you decide, here’s a quick rundown of the benefits:

IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Premier Credit Card
Annual Fee$89
Welcome Bonus Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
  • Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
  • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent 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 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

The earning for spending at IHG hotels breaks down as follows:
  • Earn 10X points for being a IHG® Rewards Club Premier Credit Cardmember
  • Earn 5X points from IHG® with Platinum Elite Status, a benefit of having this card
  • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

Feature Benefits of the IHG Rewards Premier Card

  • Anniversary Reward Night Certificate — The hero benefit of the IHG Rewards Premier Card and the reason it pays for itself over the long term. The IHG Anniversary Night is valid at any IHG property that costs up to 40,000 points.
  • Fourth Night Free — Akin to a 25% discount on award stays of four nights, cardholders receive the fourth night free on award redemptions. Just redeem your points for a four-night stay at an IHG property, and IHG will only charge you for three nights!
  • 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. If you pay the bill with 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 statement credit of up to $100 every four years to cover the TSA PreCheck or Global Entry application fees.

Best Ways to Redeem IHG Rewards Club Points

IHG reward nights range in price from 10,000 points per night for entry level hotels, up to 70,000 points per night for a premium InterContinental and Kimpton properties. 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 at or under the critical 40,000 point mark, perfect for redeeming your IHG reward night.

intercontinental-bangkok-hotel
Use complimentary Reward Night Certificate to stay at the new InterContinental Bangkok

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. 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 launch of this new offer of 125,000 bonus points plus a Reward Night on the IHG Rewards Premier Card should put it firmly on the radar of points and miles fans.

You can turn 125,000 points into 1-2 nights at a top-tier IHG property, or multiple nights at category one or two properties, and even more if you can take advantage of the card's fourth-night free perk.

Long term, you’ll get an anniversary reward 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 list, now’s the time to pull the trigger and secure the biggest bonus this card has ever offered.

IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Premier Credit Card
Annual Fee$89
Welcome Bonus Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
  • Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
  • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent 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 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

The earning for spending at IHG hotels breaks down as follows:
  • Earn 10X points for being a IHG® Rewards Club Premier Credit Cardmember
  • Earn 5X points from IHG® with Platinum Elite Status, a benefit of having this card
  • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

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    This doesn’t necessarily seem like a slam dunk over the 140k + $50 statement credit offer, especially for anyone with no upcoming travel plans to use the free night cert.