How The Benefits On The IHG Premier Card Work

Filed Under: Chase, Credit Cards
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Last year Chase introduced the IHG® Rewards Club Premier Credit Card, which is the premium co-brand IHG credit card being issued by Chase.

The card carries some unique benefits, including:

  • A welcome bonus of 80,000 points after spending $2,000 within three months
  • An anniversary free night certificate on your account anniversary every year, valid at any property that retails for up to 40,000 IHG Rewards Club points per night
  • A fourth night free on award bookings; when you redeem points for a consecutive four-night stay, you only have to redeem points for the cost of the first three nights
  • 20% off when you purchase IHG Rewards Club points
  • IHG Rewards Club Platinum status for as long as you have the card
  • A TSA Pre-Check or Global Entry fee credit every four years

Those are some awesome perks, and I’ve received a lot of questions about how certain benefits on the IHG Premier Card work. In this post, I wanted to take a closer look at some of the details of these benefits.

How does the fourth night free benefit work?

One of the best perks of the IHG Premier Card is that it offers a fourth night free on award redemptions. There has been some confusion regarding how this benefit works, and specifically at what point the cost of the fourth night is reimbursed.

With this benefit, the cost of the fourth night is deducted at the time you make your booking. So once you have the card and go to IHG’s website to make a booking, go through the process of making a four-night award booking, and before you click “confirm,” you should see that the cost of the fourth night is deducted.

If it isn’t, it’s probably because you haven’t had the card for long enough. It can take a few days for this benefit to kick in.

This is great, since it means you only need enough points for the cost of three nights to make the booking.

You can use this benefit an unlimited number of times, and can even use it for back-to-back stays (in other words, you can book eight consecutive nights at one hotel and get two nights free).

Get a fourth night free at the InterContinental Los Angeles

Can you stack the fourth-night free benefit with the 10% rebate?

The IHG Premier Card offers a fourth night free on awards, while the old IHG Select Card offers a 10% rebate when you redeem points (that benefit is capped at a total refund of 100,000 points per year). One common question has been whether these two benefits can be combined, assuming you have both cards. The answer is yes.

This is a pretty awesome opportunity to stack benefits. Let’s assume you’re staying at a hotel that costs 50,000 points per night for four nights. A four-night stay would cost you 150,000 points (with the fourth night free), and then you’d be reimbursed another 15,000 points, meaning you’re paying just 135,000 points for those four nights. That’s an average of 33,750 points per night, or a discount of 32.5%.

Save 32.5% on an award stay at the InterContinental Phu Quoc

Can you earn two anniversary free night certificates?

The way I see it, the single biggest perk of this card is that it offers a free night certificate on the account anniversary every year. The IHG Select Card (no longer open to new applicants) also offers the same benefit.

So can you actually get two anniversary free night certificates every year? The answer is yes, assuming you have both cards. That’s a pretty cool perk, since it makes this useful not just for one night stays, but also for longer stays. If you and your spouse/friend each have both cards, that’s potentially four free night certificates per year.

Use your anniversary free night certificate at the Crowne Plaza Changi

Can the IHG 20% discount on purchased points be stacked with a sale?

The IHG Premier Card offers a 20% discount when you purchase points. Unfortunately, this isn’t valid when IHG is offering a discount on purchased points, which they often are.

So there’s no reason to buy IHG points for 20% off when IHG otherwise sometimes offers 75-100% bonuses on purchased points.

When the discount is available, you’ll see that it’s automatically applied at the time you purchase points.

How does the TSA Pre-Check/Global Entry fee credit work?

The IHG Premier Card offers a TSA Pre-Check or Global Entry fee credit once every four years. You can choose either one (in general Global Entry is a better option, since it automatically comes with TSA Pre-Check), and then the statement credit will automatically post.

Note that all that matters is that the fee is charged to your card, so if you already have a Global Entry or TSA Pre-Check membership, you can use this for a friend or family member.

The statement credit should be posted to your account within 24 hours of the eligible purchase appearing.

TSA PreCheck
Global Entry and TSA Pre-Check are great perks

When does IHG Platinum status post to your account?

Just for having the IHG Premier Card you get Platinum status for as long as you have the card. This will post to your account automatically, and that’s determined based on having the correct IHG Rewards Club number linked to your account.

While the status will post within 6-8 weeks, in practice it usually posts much faster than that.

Score a room upgrade with IHG Platinum status

IHG Premier Card benefits summary

The IHG Premier Card is an all around worthwhile card. Between the Platinum status, fourth night free on awards, and an annual free night, I’d say this card is well worth getting if you’re eligible.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
  1. Here’s a question; I have both cards, giving me two free nights per year. Suppose I use those nights together in a single booking, then add a third night using points. Is the fourth night free?

  2. I’ve had the IHG Rewards Club for decades and when I log on it says my status is “Platinum Elite” . My card expires in 09/19. Is this Premier card replacing the “IHG Rewards Club” I currently have? Just curious what card I’ll be receiving.

  3. if i apply for this new card, do i want this new card to point to the same ihg account as my old credit card or a different (new) ihg account?

  4. @Doug, what @Lukas said. Besides, each free night requires its own booking. If you want to stay for more than 1 night, you’d need to book an additional reservation (whether using another free night, cash, or points). Call/email the hotel in advance to let them know, though. 4th night free is only when you use points for the 4 nights.

    @karl, AFAIK, you cannot have more than 1 IHG account. Not sure what the point is in having a second account, anyway. If you forget to provide your IHG number when you open the second card, you can have the IHG accounts combined, but it’s just an added hassle.

  5. IMHO, Combining the benefits of the old and new IHG cards for award stays is the best deal in hotel credit cards that no one talks about.

  6. “This is great, since it means you only need enough points for the cost of three nights to make the booking.” – I do not believe this to be correct.
    I have 132,000 points. I am trying to book 4 nights at 40,000 per night. IHG system will not let me do this because I don’t have 160,000 points. If I book a room for 30,000 per night, initially shows 120,000, and lets me proceed to confirmation page, where it shows 90,000 needed. So, you must have enough points in account for a 4 night booking, which is ridiculous. Will maybe try calling and talking to an agent.

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