IHG® Rewards Club Premier Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 22.99% (Variable)
Balance Transfer
15.99% ‐ 22.99% (Variable)
1 - 10 points
Signup Bonus
125000 points (after spending $3,000)

Informr score
The IHG® Rewards Club Premier Credit Card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 20 sources including reviews from users and the web's most trusted critics.

Am I eligible?

IHG® Rewards Club Premier Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Credit Card Insider

The IHG® Rewards Club Premier Credit Card is best suited for people who frequently stay at IHG properties. It earns a high number of points that can be redeemed for award nights, and features a few useful perks like enrollment into Platinum Elite status. Both of those benefits help mitigate the annu...

- Evan Zimmer, Credit Card Insider

The IHG Rewards Club Premier doesn’t offer as much value to everyone as it used to but it actually offers a lot more value to IHG customers and loyalists. If you are interested in staying at IHG properties, you can come out way ahead with a great welcome bonus, strong bonus earning, the fourth night...

- Daniel Gillaspia, UponArriving
The Simple Dollar

If you fancy lodging at IHG properties, you’d be hard-pressed to find a better hotel card than the IHG® Rewards Club Premier Credit Card. You’ll receive free nights each year just by holding on to the card as time passes. In other everyday spending categories, you’ll garner 2X bonuses, which positiv...

- Thom Tracy, The Simple Dollar
One Mile at a Time

The IHG Premier Card is a card that I highly recommend getting. Not because it makes sense to put a lot of spending on the card long term, but because the anniversary free night certificate can be worth way more than the $89 annual fee. Add in the IHG Platinum status, fourth night free on award rede...

- Ben, One Mile at a Time

Designed with the IHG traveler in mind, the IHG Rewards Club Premier Credit Card offers a significant earnings rate for IHG stays that can help you accrue points in no time. If you’re a loyal IHG traveler who can take full advantage of the card’s benefit, there’s a lot of value that can be found in...

- Matt Miczulski, FinanceBuzz


Interest Rates
Regular APR Interest Rate 15.99% ‐ 22.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.99% ‐ 22.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $89.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus 125000 points after spending $3,000

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
Restaurants 2 points per $1 spent
Gas 2 points per $1 spent
Groceries 2 points per $1 spent
Hotels 10 points per $1 spent

- On purchases when you stay at IHG hotels.

- Plus 10 points from IHG® for being an IHG® Rewards Club member

- Plus 5 points from IHG® with Platinum Elite Status, a benefit of this card

Travel No
Pharmacy No
Bills No
Additional Details

Earn 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits

- Automatic Platinum Elite status as long as you remain an IHG Rewards Club Premier Cardmember.

- Enjoy a Free night after each account anniversary year at IHG hotels worldwide.

- Save 20% when you purchase points with your IHG Rewards Club Premier credit card.

- Free reward night when you redeem points for any stay of 4 or more nights.

- Baggage Delay Insurance

- Lost Luggage Reimbursement

- Trip Cancellation/Trip Interruption Insurance

- Global Entry or TSA Pre✓ Fee Credit

- Cell Phone Protection

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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