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IHG® Rewards Club Premier Credit Card

Credit needed
Excellent, Good
Variable: 15.99% to 22.99%
Annual Fee

Card Summary

The IHG Rewards Club Premier Credit Card is designed for frequent travelers and earns you hotel rewards around the world. IHG members earn 15 points for every dollar spent at IHG hotels, while cardholders get 10 points per $1.

For every dollar spent in gas stations, restaurants and grocery stores, you earn two points. All other purchases are worth one point.

After spending $3,000 within three months, new cardholders will earn 125,000 bonus point. IHG Rewards Club Premier Credit Card provides one night of hotel accommodation per year.

It also offers travel and purchase protection, as well as a range of benefits such as upgrade to Platinum Elite status through the IHG Rewards Club. This includes complimentary upgrades and guaranteed room availability.

Card Summary - Cons

Rates and fees

Issuer Name
Penalty APR
Maximum 29.99%
Credit Needed
Excellent, Good
Balance Transfer Fee
The transfer amount must be either $5 or 5%, depending on which is higher.
Annual Fee
Cash Advance Fee
You can choose to pay $10 or 5% depending on the transaction amount.
Variable: 15.99% to 22.99%
Foreign Transaction Fee

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The Best Features

IHG Properties offers 25X points.

Bonus sign-up: Cardholders who spend $3,000 within their first three months can receive 125,000 bonus points.

Rewards night: Each year, cardholders receive one night of reward at an IHG participating hotel.


Sign up bonus

APR Requirements


There is no introductory rate.

Annual fee: The card charges $89.


After spending $3,000 in the first 3 months, you will earn 125,000 bonus points After each anniversary year, enjoy a reward night at any eligible IHG hotel worldwide. Redeem points to receive a bonus night on any 4+ nights stay. Stay at IHG hotels to earn up to 25 points per $1. Spend $1 at grocery stores and gas stations to earn 2 points.

All other purchases earn 1 point as long as your Premier card membership continues, you can keep Platinum Elite status. As a reimbursement of the card application fee, Global Entry (or TSA Pre), fee credit up to $100 per year.

IHG Rewards Club bonus points can be redeemed at InterContinental Hotels, Crowne Plaza Hotels, Kimpton Hotels, EVEN Hotels, EVEN Hotels, Indigo Hotels & Holiday Inn Hotels.


Comparative Analysis with Other Cards

IHG Rewards Club Premier Credit Card vs. Chase Sapphire Preferred Card

Annual fee: $89. This is the annual fee for IHG Rewards Club Premier Credit Card. Annual fee: The Chase Sapphire Preferred Card charges $95.

Reward: Cardholders can earn 10 points per $1 on eligible IHG hotel purchase with their IHG Rewards Club Prime Credit Card and an additional 15 points per $1 as IHG members. You can also earn two points per $1 on gas station, grocery store, restaurant purchases, as well as one point for every dollar spent on other purchases.

Chase Sapphire Preferred Card gives you five points per $1 on Lyft (valid until March 2022), three points for dining out at restaurants, two points on travel, and one point for all other purchases.

Sign up bonus: After spending $3,000 within three months, the IHG Rewards Club Premier Credit Card will earn 125,000 bonus point. After you have spent $4,000 in your first three months of account opening, the Chase Sapphire Preferred Card will earn you 60,000 bonus points. Chase Ultimate Rewards will give you $750.

Benefits: IHG Rewards Club Platinum Elite Credit Card Holders receive one night of IHG Rewards Club hotel room at IHG hotels each year. They also get a Platinum Elite upgrade with additional perks such as upgraded rooms and travel and purchase protection.

Chase Sapphire Preferred Card provides travel and purchase coverage as well as concierge access. You can also transfer points to top frequent travel programs for one-to-one value.

Maximizing Rewards

Annual Fees



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