5 Reasons To Apply For The IHG Rewards Club Credit Card

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Update: This offer for the IHG® Rewards Club Premier Credit Card has expired. Learn more about the current offers here.

The IHG® Rewards Club Premier Credit Card is a really exceptional hotel credit card. Not only is it the lowest annual fee hotel credit card which offers an annual free night certificate, but it’s also the only hotel credit card which offers a free annual night certificate without a cap on the category of hotel you can redeem at. Other hotel credit cards (with higher annual fees) have a cap on which type of hotels you can use your free night certificates for. If you stay at IHG hotels quite often, you will earn 10 points per $1 spent when you stay at IHG hotels.

With that in mind, I figured I’d share five reasons you should apply for the IHG® Rewards Club Premier Credit Card, which has an annual fee of just $49 (waived for the first year):

The welcome bonus is great

The IHG® Rewards Club Select Credit Card is offering a welcome bonus where you can earn 80,000 bonus points after you spend $2,000 on purchases in the first three months of account opening.

Get a night at any IHG hotel in the world for just $89 per year

This card arguably offers the most valuable annual free night certificate perk of any credit card. The card has an annual fee of just $89 per year, and for that you get a free night certificate you can use at any IHG property. This alone is a reason to pick up this card. This year I used that benefit for a free night at the InterContinental London The O2, where the paid rate would have been almost 500USD for the one night stay.


Get a 10% refund on the points you redeem

You can receive a 10% refund when you redeem your points, for a total of up to 100,000 refunded points per year (that means it’s valid for up to a million redeemed points per year).

Keep in mind that IHG often also sells points at a very reasonable cost, which can be even more worthwhile if you’re getting a 10% refund when you redeem those points. That makes redemptions at some high end properties more worthwhile.


IHG Platinum status for as long as you have the card

You receive IHG Rewards Club Platinum status for as long as you have the IHG® Rewards Club Premier Credit Card. I’ll be the first to say that Platinum status isn’t that great, but it’ll often lead to a room upgrade, and you receive a 50% bonus on earned points.

For example, at the Crowne Plaza Doha I received an upgrade to a suite for being a Platinum member.


Getting approved for the card isn’t too difficult

Keep in mind that Chase has a policy on many of their cards where they won’t approve you if you’ve applied for more than five cards in the past 24 months. That policy doesn’t apply to all cards, including the IHG® Rewards Club Premier Credit Card. That means you can potentially be approved for this card even if you’ve applied for more than five cards in the past 24 months.

Bottom line

The IHG® Rewards Club Premier Credit Card is one of the most generally useful hotel credit cards out there. If nothing else, the annual free night certificate more than justifies the $49 annual fee, as I think a vast majority of people will get outsized value there. This card has a great welcome bonus and is worth holding onto long term thanks to the ongoing perks, making this card a winner, in my book.

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  1. Are there any restrictions on the free night? Subject to reward availability? Or basically just hey you tell us where and it’s free?

  2. @ Sean — There need to be reward nights available to use the free nights, but it comes out of the same inventory.

  3. I applied for this card on the 12th and was approved, the 13th I logged into my IHG account and noticed an offer for 80,000 instead of the 70,000 I had signed up for. I called Chase and they made note of it in my account and said to call back once I met the spending limit and they would give me the 80,000 points instead of 70,000. If you have an IHG account make sure to login and check it for the increased bonus offer before applying.

  4. You are not advertising the best available offer. Most people can get 80k points with $1k spend if they log into their IHG account. I just did it.

  5. you mention that the 5/24 policy doesn’t apply when applying for this card, but does applying for this card count against the 5/24 policy? for example, say i have 4 new cards within 24 months, i apply for this card now, does Chase consider me now at 5/24? can you successfully apply for another Chase card in this scenario after applying for this IHG card?

  6. THIS IS A KEEPER CARD..I got 3 nites(2016) in Kona Hi from this card BUT now 90k not 60k like last year .
    But annual is GREAT $49 for $175 nite I guess I’ll take it.


  7. Love this card! Stayed at the Crowne Plaza Z ocean South Beach the weekend before Memorial Day. Used the $49 annual fee free night for a $360 standard room and points for the second night.
    With no prompting from me, I was upgraded (which happens frequently) to a penthouse suite at check-in for being Platinum through the cc. “We value our Platinum members” I was told.
    Even after IHG recalculated their points redemtions, I’ll keep this card unlike the Marriott which I canceled.
    Even with status I never got upgraded with Marriott.

  8. DrEnoy
    Thanks !!! got Hyatt free nites in Feb.LOOKing 4 a Cheap way to get back down there Breakfast is about the thing that’s reasonable there.

  9. There is actually an 80k + $50 statement credit offer out there. Chase is pretty good about matching any publicly available offers, if you apply/have applied elsewhere.

  10. How do you know the 5/24 rule does not apply to this card? Are there other cards that the 5/24 rule also doesn’t apply to? It seemed like the rule was supposed to apply to all Chase cards (person, business, Ultimate Rewards, hotels, etc.).

  11. Are you able to get this card in Canada?? We are about to lose our capital one ihg program and are searching for a new card.

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