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IHG bank card overview | Million Mile Secrets and techniques


Signing up for bank cards by associate hyperlinks earns us a fee. Phrases apply to the gives listed on this web page. Right here’s our full promoting coverage.

Signing up for bank cards by associate hyperlinks earns us a fee. Phrases apply to the gives listed on this web page. Right here’s our full promoting coverage.

If you happen to just like the comfort of staying at a Vacation Inn Categorical, however wish to the choice to remain at luxurious Intercontinental lodges, then the IHG® Rewards Membership Premier Credit score Card is the suitable lodge bank card for you. Proper now, it comes with 80,000 IHG ​​factors after assembly the minimal spending necessities.

Apply for the IHG Rewards Membership Premier Credit score Card right here.

The Chase IHG Premier additionally has strong perks past the intro bonus, like the cardboard’s fourth award evening free profit, which we’ll discuss extra in a bit. Let's overview this card so you possibly can resolve if it’s the very best journey bank card in your state of affairs.

Who’s the IHG Credit score Card for?

There are 5,500+ IHG lodges all over the world, so there’s likelihood that there’s an IHG lodge the place you wish to journey to subsequent. You need to use your IHG factors to ebook free nights at these manufacturers:

So with this card, you possibly can earn IHG factors that can be utilized nearly wherever on the planet you could be headed. However it is a Chase bank card, which implies it’s topic to the Chase 5/24 rule and also you received't be permitted in the event you've opened 5+ bank cards from any financial institution previously 24 months (excluding most enterprise bank cards ). So that you'll wish to stability your alternative to use for this card with the opposite rewards bank cards you could be limiting your self from opening.

Present bonus

With the Chase IHG Premier, you possibly can earn 80,000 bonus IHG factors after spending $ 2,000 inside the first three months of account opening. The cardboard has an $ 89 annual charge that isn't waived the primary 12 months.

Advantages and perks

Along with the sign-up bonus, the cardboard has a strong quantity of perks. For instance, yearly that you just renew the cardboard you’ll get a free evening certificates which is legitimate for any IHG lodge that prices 40,000 IHG ​​factors per evening or much less. You’ll even get Platinum IHG standing so long as you might have the cardboard and a TSA PreCheck / World Entry charge credit score, price as much as $ 100.

The cardboard additionally has a fourth evening free perk, which applies to any factors keep of 4+ nights. This can be a low cost not a rebate, so that you don’t have to have sufficient factors to pay for the 4th evening earlier than you ebook.

With the cardboard you’ll earn IHG factors on the following charges:

  • 10x factors at IHG lodges
  • 2x factors at eating places, gasoline stations and grocery shops
  • 1 level on all different purchases.

To be taught extra about this card, try our information to the IHG bank card’s advantages and perks.

How one can speak IHG factors

You possibly can ebook any accessible award evening by the IHG web site. IHG advertises that there aren’t any blackout dates on award nights, however in my private expertise this isn't all the time the case.

IHG has introduced plans to introduce variable pricing for award nights and since then the most costly award nights have gone as much as 100,000 factors per evening. Nonetheless, proper now only some lodges are literally charging that a lot. Virtually all areas price 10,000-70,000 factors.

It’s also possible to stretch your factors by reserving factors & money nights. However if you wish to go this route, remember to examine the money value of the lodge to the Factors & Money fee to be sure you're getting deal in your factors.

Factors & Money charges can provide you flexibility in the way you redeem your IHG factors, however they aren't all the time the very best deal.

It’s also possible to use IHG factors for quite a lot of different rewards, like present playing cards, digital downloads, or you possibly can convert them into airline miles. However the worth you will get from these different choices shouldn’t be good in comparison with reserving a free evening.

The unofficial IHG award chart begins at 10,000 IHG ​​factors for a free evening on the lowest class lodges and as much as 100,000 IHG ​​factors for a top-tier property. You could possibly use the bonus to splurge on a free evening on the InterContinental Bora Bora Resort Thalasso Spa, which may simply price $ 1,000 + per evening, or you will get a number of free nights in France on the Vacation Inn Lyon-Vaise, which may price $ 100 + an evening throughout peak season. It doesn’t matter what your journey model is, you possibly can obtain nice worth from this bonus.

Keep on the $ 1,000 + an evening InterContinental Bora Bora Resort Thalasso Spa without cost with the bonus from the Chase IHG Premier Card. (Photograph by William Cushman / Shutterstock)

Is the annual charge price it?

For most individuals, the free evening certificates alone is definitely worth the card’s annual charge. Most of those lodge stays are price greater than the $ 89 annual charge, making it a straightforward option to preserve paying the annual charge and taking all the opposite card advantages because the cherry on prime.

Don't let the 40,000 IHG ​​level restrict trouble you, as a result of there are many nice IHG lodges which are inside this restrict. I stayed on the InterContinental Lodge Saigon, which is a 5-star lodge in downtown Ho Chi Minh Metropolis, Vietnam without cost with an annual free evening certificates (it usually prices 40,000 IHG ​​factors per evening).

So, only for maintaining this card open you’ll earn computerized Platinum IHG standing. There isn’t any minimal spending to realize this perk.

Insider suggestions

There’s an ongoing IHG promotion know because the IHG PointBreaks record. This can be a record of lodges (up to date quarterly) that you would be able to ebook for five,000-15,000 IHG ​​factors per evening, which is a big low cost. Though the IHG PointBreaks promotion isn't what’s was when all the lodges on the record have been solely 5,000 IHG ​​factors per evening, it’s nonetheless a good way to extend the worth of your IHG factors.

Additionally, you aren’t eligible for this card in the event you presently have it or you might have earned the bonus on it previously 24 months. However in case you have the previous Chase IHG Rewards Membership Choose card (now not open to new candidates), you possibly can nonetheless qualify for the Chase IHG Premier card as a result of it’s thought-about a unique product. And each playing cards include an annual free evening certificates legitimate at lodges costing as much as 40,000 factors per evening.

Pairing the IHG bank card with different bank cards

If you happen to don’t wish to preserve all of your eggs in a single basket you’ll wish to earn factors with different lodge chains, like Hilton, Marriott or Hyatt. Listed here are comparable card choices for incomes factors with these lodge chains.

The Hilton Honors American Categorical Surpass® Card is presently providing a welcome bonus of 125,000 Hilton Honors factors after you spend $ 2,000 inside the first three months of account opening. You additionally obtain computerized Gold Hilton standing only for maintaining this card open and a free weekend evening award after you spend $ 15,000 on the cardboard in a calendar 12 months. That's not unhealthy for the reason that Hilton Surpass solely has a $ 95 annual charge (see charges and charges).

The Marriott Bonvoy Boundless ™ Credit score Card comes with 75,000 bonus factors after you spend $ 3,000 on purchases within the first three months from account opening. Identical to the IHG Premier, you'll obtain a free evening award (at taking part lodges costing 35,000 Marriott Bonvoy factors or much less) yearly after your account anniversary. You’ll additionally obtain computerized Silver Marriott Bonvoy Elite Standing and will earn Gold Elite Standing if you spend $ 35,000 on purchases every account 12 months. And the Chase Marriott Bonvoy Boundless card has the same annual charge of $ 95.

Lastly, with the World Of Hyatt Credit score Card you can earn as much as 50,000 bonus Hyatt factors after assembly tiered minimal spending necessities, you'll earn:

  • 25,000 bonus Hyatt factors after you spend $ 3,000 on purchases within the first three months from opening your account
  • One other 25,000 bonus Hyatt factors after you spend a further $ 3,000 on purchases inside the first six months from opening your account

You'll additionally get a free evening at a Hyatt class 1-Four lodge annually and computerized Hyatt Discoverist Standing. The Hyatt bank card has an $ 95 annual charge.

Backside line

The present provide for the Chase IHG Premier card is a superb alternative to top off on IHG factors. When you're permitted for the cardboard, you possibly can earn 80,000 IHG ​​factors after assembly minimal spending necessities. That's greater than sufficient factors for a free evening at an costly resort. Or you can use these factors to cowl your lodge keep for per week or extra of trip on the least expensive IHG lodges.

The cardboard has an $ 89 annual charge, however with perks just like the World Entry or TSA PreCheck utility charge reimbursement, fourth award evening free profit and the annual free evening certificates, it's price maintaining 12 months after 12 months.

Apply right here for the Chase IHG Premier bank card.

For charges and charges of the Hilton Surpass Card, please click on right here.

Editorial be aware: We're the Million Mile Secrets and techniques group. And we're happy with our content material, opinions and evaluation, and of our reader's feedback. These haven’t been reviewed, permitted or endorsed by any of the airways, lodges, or bank card issuers which we frequently write about. And that's simply how we prefer it! 🙂

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