How to Find the 140k Bonus Offer for the IHG Rewards Club Premier Credit Card [2021]

InterContinental Hotels Pattaya Resort

Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. Please see our Advertiser Disclosure for more details!

For UP's rating and in-depth analysis, see our IHG® Rewards Club Premier Credit Card review.

The IHG® Rewards Club Premier Credit Card is a must-have for IHG loyalists and even those who stay at IHG Hotels & Resorts a handful of nights a year. This is due to all of the great benefits packed into the card, and how rewarding the card is when used at IHG hotels.

If you’re not sure if the IHG Premier card is a good fit for your travel needs, or you’d like to learn strategies on how to find the best bonus possible, you’ve come to the right place.

Benefits of the IHG Premier Card

Before discussing your options for how to find the best bonus offer possible on the IHG Premier card, let’s breakdown the top benefits of the card to see if it makes sense for your travel needs.

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card
Apply Now
(at Chase's secure site)
  • Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
  • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
  • Earn 2x points on purchases at gas stations, grocery stores, and restaurants; then 1 point per $1 on all other purchases.
  • Annual Fee: $89

Key Benefits

  • Free Anniversary Night: Each year, on your account anniversary, you’ll receive a free night certificate that can be used at any IHG hotel that costs up to 40,000 points per night.
  • Fourth Night Free: IHG Premier cardholders get their fourth night free on all award stays.
  • IHG Platinum Elite StatusIHG Platinum Elite status includes benefits like complimentary room upgrades, 50% bonus points, priority check-in, and extended check-out.
  • 20% Discount on Purchased Points: Save 20% when you purchase IHG Rewards points with your IHG Premier card.
  • Global Entry/TSA PreCheck Credit: $100 credit every 4 years as a reimbursement for the application fee.
  • Purchase Protection: Purchases made with the card are covered for up to 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short due to a covered issue (like severe weather or an illness), you’re eligible for up to $5,000 of coverage for prepaid, nonrefundable travel expenses.
  • Baggage Delay Insurance: If your checked baggage is delayed more than 6 hours, you’ll receive $100 in reimbursements for essential items per day for up to 3 days.

How to Find the 140,000 IHG Premier Card Bonus Offer

InterContinental Maldives
You can use your IHG Rewards points to stay at breathtaking properties like the Intercontinental Maldives. Image Credit: IHG

Part of the game of credit card rewards is to always try to get the best bonus offer possible when applying for a new credit card. With that said, what are the best ways to track down the best offer possible on the IHG Premier card?

Increased Public Welcome Offer to 140,000 Points – Easiest Way

Occasionally, banks run limited-time increased bonus offers on their credit cards — making it so you don’t have to do much work to track down the best offer.

Fortunately, that time is now for those who are interested in the IHG Premier card, as Chase is now running a limited-time bonus offer of 140,000 IHG Rewards points!

140,000 IHG Rewards points are enough to get you 2 free nights in the very best hotels in the IHG portfolio, or 4 free nights in a property costing up to 45,000 points per night — thanks to the fourth night free on award stays benefit from your new card!

Hot Tip: Curious about other great ways to redeem IHG Rewards points? Check out our guide on the best ways to redeem IHG Rewards points for maximum value!


If you’re not already familiar, CardMatch is a free tool offered by that allows users to check for targeted bonus offers from all partners. What does this mean? Large U.S. credit card issuers, like Chase and American Express, publish these targeted offers to CardMatch who then reveals targeted offers to select users that use the CardMatch tool.

CardMatch doesn’t just offer the opportunity to check for targeted bonus offers — users can also check to see if they’re pre-approved for a card. That said, you should know that being pre-approved for a card does not guarantee you’ll be approved should you choose to submit an application — just that the odds of your approval are increased.

Either way, to check for targeted bonus offers or pre-approvals on CardMatch, you’ll need to provide the following details:

  • Full name
  • Address
  • Last 4 digits of your Social Security number

If you’re concerned about providing these personal details, you might feel better knowing that the entire website is a PCI Level 1 Compliant organization — the same level of security offered by a bank.

All in all, we think it makes a lot of sense to periodically check CardMatch for targeted offers because the service is free, secure, and does not perform a hard pull on your credit report.

Hot Tip: Check out our detailed guide on how you can get personalized offers through the CardMatch tool.

Targeted Mailings From Chase

If you haven’t already, you should strongly consider opting into targeted mailings from Chase. Why? Because Chase will occasionally send out increased bonus offers that can be better than publicly available offers — but they’re only able to send them to you if you opt-in first.

To do so, simply go log into your Chase account, click Profile, then Settings. Once you’re on the Settings page you’ll want to click Marketing Preferences, and then click Yes to receive special offers from Chase.

Chase marketing prefrences
Opt-in to Chase offers to increase your odds of an increased welcome bonus! Image Credit: Chase

Reasons You May Not Be Able to Get a Higher Welcome Offer

Chase’s 5/24 Rule

Like most Chase credit cards, the IHG Premier card is subject to Chase’s 5/24 rule. Due to this rule, if you’ve opened more than 5 new credit cards in the last 24 months, you will likely be denied for the IHG Premier card.

You should know that the Chase 5/24 rule predominately applies to new personal credit cards, so most business credit cards, auto loans, or installment loans are not counted towards your 5/24 total.

You’ve Opted Out of Marketing Offers

Put simply, if you don’t opt-in to receiving marketing offers, Chase is prohibited from sending them to you. As we outlined above, opting-in to marketing offers with Chase is incredibly easy to do, so don’t let this be the reason that you don’t get targeted for an increased bonus offer.

Low Credit Score

This should come as no surprise, but if you currently have a low credit score then it is unlikely that you would be approved for the IHG Premier card.

Instead, you should opt to focus on ways that you can improve your credit score before considering applying for travel rewards credit cards.

Final Thoughts

All things considered, the IHG Premier card is a fantastic hotel rewards cards thanks to benefits like an annual free night certificate, fourth night free on award stays, and complimentary IHG Rewards Platinum Elite status.

So if you feel that the card is a great fit for your travel patterns and goals, make sure to exercise all of your options to get the highest bonus offer you possibly can — because more points equals more travel!

Frequently asked questions

Is the IHG Premier card worth it?

If you’re an IHG loyalist or even someone who stays at IHG hotel semi-frequently, then the card is definitely worth holding.

You’re sure to get plenty of value from the perks included with the card like a free anniversary night, complimentary IHG Rewards Platinum Elite status, and fourth night free on award stays.

Can you have both IHG cards?

Yes, if you currently hold the IHG® Rewards Club Traveler Credit Card (or have had it in the past), you are still eligible for the IHG Premier card. The same applies to those who are cardholders (or former cardholders) of the now-discontinued IHG® Rewards Club Select Credit Card.

Is the IHG Premier card metal?

No, the IHG Premier card is not metal.

Is the IHG Premier card subject to Chase's 5/24 rule?

Yes, the IHG Premier card is subject to the Chase 5/24 rule. Those who have opened 5 or more new personal credit cards in the last 24 months are unlikely to be approved for the card.

How much are IHG Rewards points worth?

Placing a value of travel rewards points and miles is entirely subjective and can vary from person to person. That said, we value IHG Rewards points at 0.5 cents per piece, making 100,000 IHG Rewards points worth $500.

Jarrod West

About Jarrod West

Born and raised just outside of Cincinnati, Jarrod became fascinated with using points and miles as the perfect way to visit dream destinations without breaking the bank. Thanks to points and miles, Jarrod was able to spend 3 months traveling Europe financed nearly entirely with points and miles; while flying in premium cabins and staying in 5-star hotels along the way. To date, Jarrod has traveled to 16 countries and 22 US states.

Travel prices are about to surge from pent-up demand.

Use this points strategy to lock in pennies-on-the-dollar pricing in 2021, all without being a frequent flyer...

How do I only pay $30 to go to Hawaii, $200 for business class to Asia or just $150 to Europe?

Discover the real-life strategies that anyone can use to enjoy limitless travel (even on a limited budget!)

Just sign up below and I’ll send you the Limitless Travel Playbook instantly:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.