Edited by: Stella Shon
& Kellie Jez
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21.49% - 28.49% Variable
Good to Excellent (670-850)
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.
The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.
If IHG is your hotel chain of choice, and you stay at one of its hotels at least a few times a year, then the IHG Premier card would likely be very worth it for you.
With the IHG Premier card, you won’t just earn more points on all of your IHG stays, you’ll also receive automatic IHG Platinum elite status. This status offers 50% more points, extended checkout and priority check-in, complimentary room upgrades, and a welcome amenity.
While the IHG Premier card charges an annual fee, you can easily offset that thanks to the free night certificate you’ll receive each year. Plus, the card gives you added value on award stays by giving you your fourth night free when you use points for a 4-night stay or longer.
The free night certificate, given to cardholders each year on their account anniversary, can easily offset the cost of the $99 annual fee on its own. You can redeem the certificate for a free night at any IHG hotel that costs up to 40,000 points per night.
IHG Rewards no longer publishes an award chart, but rest assured that a 40,000 points hotel in the portfolio can easily cost between $200 to $300 a night depending on the location and season.
Hot Tip: IHG now allows IHG Premier cardholders to add points on top of their free night certificate to book more expensive hotels. For instance, if you want to book a night at a property that costs 60,000 points per night, you could apply your free night certificate, plus 20,000 points, to do just that!
IHG Rewards Platinum Elite status, earned after 40 qualifying nights or 60,000 qualifying points, comes complimentary to cardholders of the IHG Premier card.
Your new Platinum Elite status comes with the following perks:
The 60% bonus jumps your points earned from 10x points per $1 to 16 points per $1 on your IHG stays. Don’t forget, when you use your IHG Premier card to pay for your stay, you’ll earn another 10x points per $1 for a total of 26 IHG Rewards points per $1 on stays. This represents a return of 13% on your IHG stays based on our points and miles valuations.
As if that’s not enough, you’ll also receive complimentary room upgrades, a welcome amenity during check-in, and extended checkout times. So if you stay at IHG hotels with any sort of regularity, you should be able to get plenty of value out of your IHG Platinum Elite status.
Further, those who are big spenders will have the ability to spend their way to top-tier Diamond Elite status by spending $40,000 on the card in a calendar year.
Once you’ve racked up a large balance of IHG Rewards points, your IHG Premier card will help you stretch those points even further by giving you your fourth night free on all award stays. Keep in mind that this benefit only applies to award stays and not paid stays.
If you want to earn lots of IHG Rewards points, you have far more options than simply using the IHG Premier card for your purchases. Read through our dedicated guide to the best ways to earn lots of IHG Rewards points for all of your options.
When you’re ready to redeem your points, you might find yourself a bit overwhelmed with all of the options. While you could just redeem your points at any hotel that seems convenient, you should read our guide to the best ways to redeem your IHG Rewards points if you want to get the maximum value out of your points.
If you’re not a fan of the IHG Rewards program or are more agnostic when it comes to hotel loyalty programs, then you should consider the World of Hyatt card.
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.
When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.
Many people love the World of Hyatt program due to its great elite benefits and reasonable redemptions. Similar to the IHG Premier card, the World of Hyatt card offers a free night each year, great earnings on Hyatt stays, and automatic elite status.
If you prefer the Marriott Bonvoy loyalty program, then you should consider the Marriott Boundless card.
Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.
The Marriott Boundless card offers automatic Silver Elite status in the Marriott Bonvoy program, an annual free night certificate, and 15 Elite Night credits each year to help you reach higher levels of elite status.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The annual fee is $99.
If you visit IHG hotels at least a few times a year and would get value out of IHG elite status and the annual free night certificate, then yes, the IHG Premier card would likely be worth it for you.
Your IHG Rewards points will expire after 12 months of no account activity. To keep them alive, you just need a qualifying activity such as earning or redeeming points.
No, the card is plastic, not metal.
Yes, the card is subject to the Chase 5/24 rule. So if you’ve opened up 5 or more new credit card accounts within the last 24 months, it is very unlikely that you’ll be approved for the card.
The card is a no foreign transaction fee card. So the card can be used anywhere in the world that accepts Mastercard with no additional fee.