Is the IHG One Rewards Premier card well worth the annual price?

Yearly, it’s best to consider what’s in your pockets and resolve which playing cards you are protecting. Usually, it is best to make that call earlier than the following annual price is due.

Among the many issues it’s best to contemplate are how a lot the annual price prices and how much worth you are getting out of a card. And keep in mind, even when a card has a decrease annual price, that does not robotically imply it is price protecting.

The IHG One Rewards Premier Credit score Card is a well-liked lodge card with a $99 annual price — however is it price a spot in your pockets? Here is what it’s best to know earlier than selecting.

Welcome supply

New candidates for the IHG Premier card can earn 165,000 bonus factors after spending $3,000 on qualifying purchases on the cardboard within the first three months from account opening. TPG values this bonus at $825.


Observe that you could’t get this bonus in the event you presently have a private IHG bank card (such because the IHG One Rewards Traveler Credit score Card) or in the event you’ve acquired a welcome bonus on any IHG private bank card up to now 24 months.

Associated: The final word information to bank card software restrictions

You possibly can redeem your factors for luxurious stays at resorts just like the InterContinental Maldives Maamunagau Resort or budget-friendly properties just like the Vacation Inn Agra — town the place you’ll be able to go to the Taj Mahal. The value you see when looking for resorts would be the variety of factors required per night time.

Annual free night time award

On every account anniversary, you will obtain a free night time award price as much as 40,000 factors, legitimate for bookings with IHG One Rewards. If you wish to redeem it for a lodge that prices extra, you can even buy factors.

Associated: How one can use the IHG Rewards anniversary night time certificates

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This free night time award can be utilized for $200 in worth with out a lot effort. Thus, this profit alone might justify the cardboard’s annual price of $99.

$50 in United TravelBank credit score

In January and July, you will obtain $25 credit to your United TravelBank steadiness. These funds can be utilized to buy flights operated by United and United Categorical. These funds can scale back your out-of-pocket prices when shopping for money fares though they do have limitations.

You possibly can’t use these funds to pay taxes and charges on award journey, and you’ll be able to’t mix TravelBank funds with vouchers from canceled flights. You can also’t use these funds for inflight purchases.

Computerized standing

You will take pleasure in complimentary Platinum Elite standing with the IHG One Premier card. That is the second-highest tier in IHG One Rewards.


Advantages at this degree embody complimentary upgrades at check-in (based mostly on availability), assured room availability, a welcome amenity of snacks or drinks, early check-in, use of a precedence check-in desk and incomes 16 factors per greenback complete on paid stays with IHG.

TPG values Platinum Elite standing at $1,290 per 12 months.

Fourth night time free on award stays

IHG cardholders can also use the “fourth night time free” profit when redeeming factors for award stays with IHG.

When utilizing factors to cowl a keep of 4 nights or extra, every fourth night time is free. The worth of this profit will fluctuate, based mostly on how usually you utilize it and the worth of the resorts the place you utilize it.

Different perks

On high of incomes 16 factors per greenback on paid stays at IHG (because of your Platinum Elite standing), you will additionally earn 10 factors per greenback at IHG when paying with the Premier card.

Moreover, you will earn 5 factors per greenback on journey, resorts, gasoline stations and eating (together with takeout and eligible supply providers) and three factors per greenback on different purchases. That quantities to a 5%, 2.5% and 1.5% return on spending, respectively, based mostly on our valuations.

Different key advantages embody reimbursement (as soon as each 4 years) in your software price to World Entry, TSA PreCheck or Nexus and a 20% low cost on factors purchases, although this cannot be added to different gross sales on IHG factors.

You will additionally earn a $100 assertion credit score and 10,000 bonus factors after spending $20,000 on purchases in your card in a calendar 12 months.

The IHG One Premier card additionally affords beneficial journey and purchasing protections. You will take pleasure in journey cancellation/interruption insurance coverage, buy safety, rental automobile insurance coverage (which is secondary within the U.S. however major protection elsewhere), misplaced baggage reimbursement and prolonged guarantee protection.

Backside line

If you need to use this card’s perks for common worth (or higher), you shouldn’t have any drawback justifying its annual price and protecting it in your pockets.

But when your IHG stays are rare and you do not benefit from the cardholder advantages that include the IHG Premier card, then the $99 annual price is probably not price it for you.

Learn our full assessment of the IHG One Rewards Premier right here.

Apply right here: IHG One Rewards Premier Credit score Card

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