How The Benefits On The IHG Premier Card Work

Filed Under: Chase, Credit Cards
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In 2018 Chase introduced the IHG® Rewards Club Premier Credit Card (review), which is the premium co-brand IHG credit card being issued by Chase. For reference, the more basic card that’s part of the co-brand agreement is the IHG® Rewards Club Traveler Credit Card (review).

At the moment both cards are offering fantastic sign-up bonuses, which are among the best offers we’ve seen. As far as I’m concerned, there has never been a better time to get either of these cards.

While many people aren’t traveling right now, the points and perks you earn on these cards now can be used towards future adventures. In particular, I wanted to talk a bit about how the benefits of the IHG Premier Card work, since there’s a reason to get this card sooner rather than later.

IHG Premier Card Benefits

The IHG Premier Card offers some unique benefits, including:

  • A welcome bonus of 140,000 points after spending $3,000 within three months, plus the $89 annual fee waived for the first 12 months
  • A 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. 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.

To give an example, the InterContinental London Park Lane ordinarily costs 70,000 points per night.

When I go through the process of booking a four night stay, I’m only asked to pay 210,000 points.

If this isn’t displaying correctly for you, 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).

You do need to stay four consecutive nights at one hotel to use this, meaning you can’t stay two nights at one hotel and two nights at another hotel, and then get one of those nights free.

Furthermore, all four nights need to be booked as a single points reservation. This means you couldn’t book one night with a free night certificate and then three nights with points, and get that third night of the points reservation 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%.

The terms state that the 10% rebate will post within eight weeks of a stay, though in my experience it usually posts within a few weeks.


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

Can You Earn Two Anniversary Night Certificates?

The way I see it, the single biggest perk of the IHG Premier 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.

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 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 is when I would generally consider buying points.

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.

This is a benefit that’s almost never worth it, in my opinion.

How Does The TSA Pre-Check/Global Entry 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 within 24 hours of the eligible purchase appearing on your account.

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.

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 terms state that the status will post within six to eight 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, even if you’re not otherwise an IHG loyalist.

I know many people aren’t traveling now, but these are rewards you can use once you feel comfortable traveling again, and you’ll also be closer to the first anniversary that way, so you can earn your first free night certificate.

If you’ve been considering this card, now is the time to get it, given the 140K bonus and the annual fee that’s waived the first year.

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Comments
  1. How does free breakfast work? With any credit card, or with any tier of status?

    “IGH” is more like it. I don’t see why this chain has a following.

  2. Because IHG has extended the expiration dates on the free night certificates. I now have 4 free nights with the Premier and Select cards. Can I do fourth night free with 3 free night certificates?

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