The IHG Rewards Club Premier card is a great option for travelers who spend at least a few nights per year at an IHG Hotel such as a Holiday Inn, Kimpton, or Intercontinental.
The card comes with a free annual hotel night that is worth up to 40,000 points, Platinum Elite hotel status, 10x points at IHG hotels, cell phone insurance, Global Entry credit, and several other travel benefits.
IHG Premier Card Information
Application Link: Chase IHG Rewards Club Premier Club.
Current Sign Up Bonus: 125,000 IHG points.
Recommended Bonus: At least 125,000 IHG points.
Annual Fee: $89.
- 10x points at IHG Hotels.
- 2x points at gas stations.
- 2x points at grocery stores.
- 2x points at restaurants.
- 1x points everywhere else.
Card Benefits for IHG Hotels
Free Anniversary Hotel Night– You can get a free night certificate each card anniversary at a hotel worth up to 40,000 points. Most 40,000 point hotels are worth at least $125+ per night, so this easily covers your $89 annual fee.
Fourth Hotel Night Free– You can get a fourth night free when booking a hotel stay of four nights or more with points. For example, if the hotel costs 25,000 points per night, and you are staying 4 nights, it would only 75,000 points in total.
Platinum Elite Status– The IHG Premier card gets you IHG Platinum elite status, which earns you an extra 5x points on hotel stays, room upgrades, free Wi-Fi, priority check-in, late checkout, and a welcome amenity when you check-in.
20% on Points Purchases– We generally don’t recommend you by points, but you can get a 20% discount when you purchase points with your card.
Trip Cancellation Insurance– This benefit covers up to $5,000 per trip per person for prepaid, non-refundable travel expenses if you need to cancel a trip short because of a covered issue such as an illness or accidental injury by the covered person or their immediate family.
Global Entry or TSA Pre-Check– You can get a credit up to $100 every four years for Global Entry or TSA Pre-Check.
Baggage Delay Insurance– This coverage reimburses you for the purchase of essential items if your baggage is delayed more than 6 hours, and allows you can spend up to $100 per day for a maximum of 5 days.
Lost Luggage Reimbursement– If a common carrier loses your bag, you can seek reimbursement up to $3,000 per person for each trip including up to $500 per person for jewelry, cameras, and other electronic equipment.
Secondary Rental Car Insurance– This insurance covers any damage to a rental car that is not covered by your insurance. (Whereas, primary rental car insurance would cover any damage before your insurance.)
No Foreign Transaction Fees– You can use your IHG card anywhere in the world without foreign transaction fees, which saves you 2.7% over some other cards.
Shopping Protections and Benefits
Purchase Protection– This 120-day coverage protects your purchases from theft or damage up to $500 for each claim and up to $50,000 for each account. For example, if your new laptop was stolen or damaged within the first 120 days, you could seek reimbursement from Chase.
Cell Phone Protection– You are eligible to receive up to $800 if your cell phone is lost or stolen when you pay your monthly cell phone bill with the IHG Premier card. Coverage is limited to two claims in a 12 month period for a maximum of $1,000 in that period, plus a $50 deductible for any claims.
Extended Warranty– The U.S. manufacturer’s warranty of 3 years or less will be extended for an additional year on eligible products purchased with your card.
Spending Bonus– If you spend $20,000 on your card within a year, you can get a bonus of 10,000 IHG Rewards points.