IHG Rewards Club Premier Credit Card: This 140,000-Point Bonus Is the Biggest We’ve Seen

IHG is offering its largest ever welcome bonus, valued at 2-4 nights of luxury hotel stays.

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The IHG® Rewards Club Premier Credit Card now comes with its highest sign-up bonus ever. For new cardholders, you can earn an amazing 140,000-point sign-up bonus after spending $3,000 in the first three months from account opening.

IHG is one of the most popular hotel chains in the world. A sign-up bonus like this can go a long way towards free reward night certificates at participating IHG hotels around the world, including InterContinental, Crowne Plaza, Kimpton, Even Hotels, Indigo Hotels and Holiday Inn.

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IHG® Rewards Club Premier Credit Card Bonus

IHG Rewards Club Premier Credit Card makes a splash with a massive sign-up bonus for new cardmembers. You can earn 140,000 bonus IHG points once you spend $3,000 on purchases in the first three months from account opening. Rewards night redemptions range from as little as 10,000 to over 70,000 per night. The Rewards Club Premier Credit Card’s sign-up bonus alone could net you two to four nights at many IHG properties worldwide.

If that’s not enough, you’ll continue to earn 10,000 bonus points each anniversary year after you spend $20,000 on purchases and make one additional purchase.

Referral Bonus Program

Right now, Chase is offering a chance to earn extra bonus points by referring your friends for an IHG credit card. You’ll earn 10,000 bonus points for each friend you refer who is approved for the card, up to 50,000 points per calendar year.

Referral programs are a great way to earn extra points and share valuable rewards credit card perks with your family and friends.

IHG Rewards Club Premier Review

New cardholders earn 140,000 points after making $3,000 in purchases during the first three months of card membership. While point redemptions will vary based on seasonality and duration and location of stay, this IHG Rewards Club Premier bonus is valued at 2-4 nights of free lodging.

Aside from its astounding sign-up bonus, the Rewards Club Premier Credit Card offers tons of value, especially for loyal IHG customers. You get a free anniversary night certificate every year for use at eligible IHG hotels. When you redeem points for stays of four nights or longer at any IHG hotel, your fourth night is free!

The IHG card also comes with Platinum Elite Status, which gives you room upgrades, priority check-in, complimentary internet and much more. Plus you get a credit for up to $100 for Global Entry or TSA Pre✓® fees every four years.

Rewards Rate

IHG loyalists have the most to gain with this cobranded hotel credit card with the potential to earn up to 25X points per dollar spent at select IHG hotels and resorts:

  • 10X IHG points per dollar spent at IHG Hotels & Resorts using your IHG card
  • Up to 10X IHG points just for being an IHG Rewards Club member
  • Up To 5X IHG points for being an IHG Platinum Elite member—a perk of the card

You can earn points with the Rewards Club Premier Credit Card outside of IHG purchases too. You can earn:

  • 2X points per dollar spent at select grocery stores, gas stations and restaurants.
  • 1X points per dollar spent on all other purchases.

Benefits

Having the IHG Rewards Club Premier Credit Card automatically upgrades you to Platinum Elite status as long as you keep your card open, and your Rewards Club membership is in good standing. Platinum Elite status earns cardholders several extra benefits, including:

Free anniversary night Cardholders receive a free rewards night certificate after each account anniversary year. The free rewards night is good for use at select IHG® hotels and resorts with a redemption level or 40,000 points or less. Your free anniversary night expires 12 months from the date it was issued.
Free fourth night When you book a rewards stay with IHG of four consecutive nights or more, the fourth night is free.
Points discount You can buy IHG bonus points anytime if you don’t have enough to cover a stay. When you use your IHG Rewards Club Premier card, you’ll save at least 20% off points purchases.

Platinum Elite status also comes with enhanced resort services during stays at IHG properties. Some of the extra amenities you’ll receive include:

  • Free room upgrades
  • Guaranteed room availability
  • Late check-out
  • Priority check-in
  • Welcome gift
  • Customized stay preferences

Other Travel Benefits

Along with Platinum Elite status, being a Rewards Club Premier Credit Card cardholder gives you access to other valuable travel perks that could come in handy. Depending on how often you travel, the most valuable perk could be the Global Entry or TSA Pre✓® credit fee attached to this card.

Cardholders are eligible for a $100 credit every four years as reimbursement for the Global Entry or TSA Pre✓® application fee. The credit card’s other travel perks include:

  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip cancellation/interruption insurance
  • Purchase protection

Annual Fee

The Rewards Club Premier Credit Card has an $89 annual fee waived during the first year of card ownership. The rewards card offers massive value for the first year with no fee and a big bonus if you meet spending requirements. Be sure you take advantage of the many travel perks and maximize rewards earning each year to justify paying the annual fee.

Intro APR

Unfortunately, the IHG Rewards Club Premier Credit Card doesn’t come with an introductory 0% APR rate on new purchases or balance transfers. Other rewards credit cards may be a better fit if you have large purchases coming up or want to transfer existing credit card balances and pay them off over time.

Variable APR

The IHG Rewards Club Premier Credit Card comes with a variable APR from 15.99% – 22.99% based on your creditworthiness. APRs fluctuate throughout the year as card issuers adjust rates to the market. The variable APR is comparable to other hotel co-branded credit cards.

Credit Score

Most credit card issuers don’t publicly disclose credit score requirements to qualify for specific cards. The Rewards Club Premier Credit Card is designed for people with good to excellent credit scores (670-850).

It’s a good idea to familiarize yourself with your current credit scores before applying for a new credit card. There are three major credit bureaus in the US, and you can check and monitor your credit scores for free. Using a free service like Experian Boost™ can help increase your credit score.

Fees

We already touched on the $89 annual fee (waived the first year), but there are other fees you may run into when using your IHG credit card.

Annual fee Yes (waived for first year)
Balance transfer fee Yes
Foreign transaction fees Yes
Late payment fees Yes
Returned payment fees Yes

With no intro APR offer, you’ll start with variable APR on the first day of account opening, based on your creditworthiness. You can costly interest charges by paying off your card in full each month by the due date.

Using your IHG Rewards Club Points

There’s a world of redemption options available through IHG Rewards Club, but the best value is using points for stays at IHG hotels and resorts. There are over 5,200 IHG properties worldwide with rewards nights available for as little as 10,000 points. You can accelerate your rewards by booking stays using points and cash too.

You can also use your rewards points for a wide range of redemptions. Point values vary based on the redemption: Other redemption options include:

  • Online shopping
  • Gift cards
  • Entertainment digital downloads
  • Transfer to one of IHG’s partner airlines
  • Access to exclusive experiences and events
  • Magazine subscriptions
  • Transfer to another IHG Rewards Club member
  • Donate to an IHG partner charity

IHG Rewards Club Points Expiration

Because the Rewards Club Premier Card comes with Platinum Elite Status, your IHG points never expire and are always redeemable. Only members at Club status level can have points expire, but even then it’s avoidable by booking a stay or earning or redeeming points once every 12 months.

IHG Hotels and Resorts

The IHG brand is home to over 5,200 unique resorts worldwide. They have properties that fit most travel needs, whether you’re looking for economical accommodations for your family, a luxury retreat or long-term stays. Currently, 17 brands make up the IHG family:

  • Atwell Suites
  • Avid Hotels
  • Candlewood Suites
  • Crowne Plaza Hotels & Resorts
  • Even Hotels
  • Hauluxe Hotels & Resorts
  • Holiday Inn
  • Holiday Inn Club Vacations
  • Holiday Inn Express
  • Holiday Inn Resort
  • Hotel Indigo
  • Intercontinental Hotels & Resorts
  • Kimpton Hotels & Resorts
  • Regent Hotels & Resorts
  • Six Senses Hotels, Resorts & Spas
  • Staybridge Suites
  • Voco

With properties around the globe, IHG Rewards Club Premier cardholders can use their IHG Rewards points to stay almost anywhere in the world.

Here’s a look at how many IHG points you’ll need for rewards night certificates at some popular IHG resorts.

Holiday Inn Club Vacations At Orange Lake Resort

Located minutes from Walt Disney World Theme Parks, Orange Lake Resort is a massive 1,450-acre property featuring one, two and three-bedroom villas. There’s plenty to do at the resort, with four golf courses, multiple restaurants, mini-golf, a kids’ center, and its own water park. A free night at Orange Lake Resort costs 40,000 points.

Holiday Inn St. Louis Downtown Convention Center

This Holiday Inn hotel is close to several popular St. Louis attractions including Gateway Arch and the Anheuser Busch Brewery. It’s located next to America’s Convention Center & Dome. A free night at Holiday Inn St. Louis Downtown Convention Center costs 17,500 points.

The InterContinental® Presidente Cozumel Resort & Spa

This luxury Caribbean resort and spa features a beachside infinity pool, an unbelievable spa, high-end resorts and its own scuba diving center. A free night at The InterContinental® Presidente Cozumel Resort & Spa costs 37,500 points.

Holiday Inn Resort Aruba-Beach Resort & Casino

Located in Palm Beach, This IHG resort & casino features beachside pools, unlimited recreation options, a rejuvenating spa, a casino and its own shopping mall. A free night at Holiday Inn Resort Aruba-Beach Resort & Casino costs 35,000 points.

Compare IHG Cards

The IHG Premier Card is not the only IHG co-branded credit card available from Chase. There is also the IHG® Rewards Club Traveler Credit Card. The main difference between these cards is that the Traveler card has no annual fee. The sign-up bonus is smaller. Cardmembers only earn 100,000 bonus points for spending $2,000 in the first three months from card opening, which is still a considerable amount of points for a no-fee card.

The Traveler card is also missing other valuable perks featured with the Premier card, including a free anniversary night, elevated hotel status and the Global Entry / Global Entry/ TSA Pre✓® credit. You’ll earn less for IHG stays too, maxing out at 15X per dollar spent on resort stays.

If you’re a huge IHG fan, you could get both cards, but since they both earn in the same spending categories, it doesn’t make a ton of sense to go this route.

You can find a more in-depth comparison of the two IHG Rewards credit cards here.

IHG® Rewards Club Premier vs. Chase Sapphire Preferred®

There’s no doubting the value of the IHG Premier Card. But if you’re looking for flexible travel rewards, you may be better off with another popular Chase rewards card — the Chase Sapphire Preferred® Card.

The card comes with a huge sign-up bonus offer and access to Chase Ultimate Rewards, one of the most versatile credit card rewards programs. Ultimate Rewards points provide great value, especially used to book travel within the Ultimate Rewards portal. Redeemable points can also be transferred to a host of third-party airline and hotel travel partner programs, including IHG Rewards Club.

 Chase 5/24 Rule

It’s worth noting that the Rewards Club Premier Credit Card is subject to Chase’s unwritten 5/24 rule. While this is an unofficial rule, it’s one well known within the travel rewards community, and something to keep in mind anytime you apply for a new credit card.

Here’s how the Chase 5/24 rule eligibility works: If you’ve opened five or more new credit card accounts, Chase or another card issuer, in the last 24 months, most likely you’ll be denied for any new Chase credit cards. Take stock of your current credit cards before applying for the IHG Rewards Club Premier Credit Card.

You can learn more about Chase’s 5/24 Rule here.

Applying for the IHG Rewards Club Premier Credit Card

Rewards earning is incredible for IHG purchases, with 25X points per dollar spent at IHG hotels. You’ll also earn 2X points for fuel, dining and grocery purchases and 1X points for other purchases.

The Rewards Club Premier Credit Card comes with Platinum Elite Status, a free anniversary night every year and a free rewards night for four-night rewards stays or longer.

It’s great for international travel because there are no foreign transaction fees associated with this Chase credit card.

We want to make sure you get the best deal! Our editors strive to ensure that the information in this article is accurate as of the date published, but please keep in mind that offers can change. We encourage you to verify all terms and conditions of any financial product before you apply. Also, please remember this content wasn't provided, reviewed or endorsed by any company mentioned in this article.


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Kevin Payne

Kevin Payne is a personal finance, credit card, and travel writer. He is the family travel and budget expert behind FamilyMoneyAdventure.com. Kevin lives in Cleveland, Ohio, with his wife and four kids. His work has appeared on several websites, including FinanceBuzz, Credit Karma, Millennial Money, Club Thrifty, Student Loan Planner and Slickdeals.

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