Let’s cut to the chase. Some links on this site pay us referral fees for sending business and sales. We value your time and money and won't waste it. For our complete advertising policy, click here. The content on this page is not provided by any companies mentioned, and has not been reviewed, approved or otherwise endorsed by these entities. Opinions expressed here are the author's alone.

Deciding which Chase cards to get was made tougher when they decided to include all of their products under the 5/24 rule. That’s how things go, though, and we adapt. Well, with the release of an all-time high welcome bonus on the IHG® Rewards Club Premier Credit Card, they just made that decision even tougher.

And that’s a good thing for you!

Too often we see people focus on IHG’s Holiday Inn and Holiday Inn Express brands and forget about the amazing Intercontinental properties they have across the globe. Of course, there’s a place for just about all hotel brands, but with the IHG Premier Card, there are some clever ways you can book some awesome luxury stays at a fraction of the price.

Let’s take a look at you how you can do this.

Earn The Full Welcome Bonus Of 120,000 IHG Points

Let’s start with the obvious, the welcome bonus. Previously, the IHG Premier Card had a 100,000-point welcome bonus when it was launched before dropping to an 80,000-point bonus.

The IHG Premier Card is now offering a tiered welcome bonus — common for Chase co-brands these days — of 120,000 IHG points. You’ll want to make sure you earn the full bonus, so let’s take a look at how the 120,000-point bonus breaks down.

  • Earn 80,000 IHG points when you spend $2,000 in 3 months
  • Earn an additional 40,000 IHG points when you spend a total of $5,000 in 3 months (an additional $3,000)

Clearly, if the IHG Premier Card has been on your radar, this is the time to give it some serious thought if you want to earn the most points possible.

IHG Premier Card Benefits

The IHG Premier Card comes with several perks that are worth considering. However, you might be surprised that the best perks might not even be the bonus categories.

Free Night Certificate

Intercontinental Mauritius

On your account anniversary, you will receive a free night certificate that can be used at any IHG property that requires no more than 40,000 IHG points per night.

When you think about how expensive hotels are in some cities — London, I’m looking at you, you can get some serious value out of this perk. You can easily book a night at a hotel that would normally cost over $300 per night.

Now, consider the fact that the annual fee is $89. Wouldn’t you trade $89 for a $300 hotel night? If you like to travel, and we assume you do since you’re here, we’re betting the answer is yes.

4th-Night Free Award Stays

Intercontinental Geneva Room

When it comes to award stays, the IHG Premier Card makes 4-night stays the ideal length thanks it’s 4th-night free perk. It’s hard not to love using points for 3 nights to and receiving a bonus night on the house.

Think about it, if you wanted to book an award stay at the Intercontinental Genève, you’d need 45,000 points per night. With the 4th-night benefit, you could book 4 nights for 135,000 IHG points instead of 180,000 points. That means the welcome bonus alone would put you close to enough points.

20% Discount When You Buy IHG Points

IHG 20% Discount On Points

If you’re running a bit short on the points required for an award stay, you can receive a 20% discount when you buy IHG points. This is a great option if you’re ready to book and there isn’t an IHG points promo at that time.

Think about the example above. If you wanted to use the 4th-night free perk, you’d need an additional 10,000 IHG points which you could buy for $108 thanks to the 20% discount.

When you consider that rooms Intercontinental Genève often go for over $350 per night — sometimes even $500, paying $108 to top off your IHG account is a great way to go.

Even when factoring in the cost of buying some points, you could still get over 1 cent per point in value on a stay at this luxury property. When you consider IHG points are generally worth about 0.5 cents each, this is a killer deal.

The only downside to this perk is that it cannot be combined with promotional IHG points sales.

Bonus Categories

If you plan on booking cash stays at IHG properties, you can earn 10X points when paying with the IHG Premier Card. This is a very good return on an IHG stay that can be even better if you have a Reward Nights Faster bonus for using your IHG card.

Reward Nights Faster

If you’re wondering what Reward Nights Faster is, it’s the new branding of the Accelerate offers. The concept remains the same, hit certain targets with IHG and earn bonus points.

Additionally, the IHG Premier Card earns 2X at gas stations, grocery stores, and restaurants. However, there are several cards that earn more — and more valuable — points on these categories.

Other Perks

While IHG Rewards Club Platinum status doesn’t provide lounge access or free breakfast, it doesn’t hurt to have it. If nothing else, you’ll earn some bonus points on your cash stays.

Additionally, you’ll also receive a credit for the Global Entry or TSA PreCheck application fee every four years. Since many credit cards offer this perk these days, you might consider using it for a friend or family member to improve their travel experience.

Are You Eligible For the IHG Premier Card?

Since the IHG Premier Card falls under the purview of the Chase 5/24 rule, you’ll want to make sure you haven’t opened 5 personal cards and any Capital One or Discover business cards in the last 24 months. If you haven’t, you’ll be eligible.

We’d still prioritize getting Chase Ultimate Rewards cards first but this could be a great complimentary card to add to your wallet.

Final Thoughts

While our focus is usually how to earn the most points possible at all times, the IHG Premier Card comes with a few perks that could actually make it a keeper for the long term.

I actually just upgraded the old version of the card since I’m well past 5/24 at this point so that I could strategically take advantage of the 4th-night free benefit and possibly the 20% discount on points.

Whether you’re looking for an extended stay at a Holiday Inn or Crowne Plaza or a relaxing luxury stay at an Intercontinental property, this card could help you save hundreds if not thousands of dollars on hotel stays.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Get the travel tips you can't afford to miss delivered right to your inbox. Subscribe below!

Get the travel tips you can't afford to miss delivered right to your inbox. Subscribe below!

* indicates required

You have Successfully Subscribed!