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IHG® Rewards Premier Credit Card review

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Advertiser Disclosure

Annual Fee
$99.00
Interest Rate: Purchases
19.74% ‐ 26.74% (Variable)
Interest Rate: Purchases
19.74% ‐ 26.74% (Variable)
Balance Transfer
19.74% ‐ 26.74% (Variable)
Balance Transfer
19.74% ‐ 26.74% (Variable)
Rewards
3 - 10 points
Rewards
3 - 10 points
Signup Bonus
140000 points (after spending $3,000)
Signup Bonus
140000 points (after spending $3,000)


8.6/10
Informr score
The IHG® Rewards Premier Credit Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 29 sources including reviews from users and the web's most trusted critics.

Am I eligible?


IHG® Rewards 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...


Upgraded Points
Upgraded Points

If you regularly visit IHG hotels throughout the year, then the IHG® Rewards Premier Credit Card is probably a perfect card to have in your wallet. The IHG Premier card offers a great bundle of perks and benefits, including automatic elite status, an annual free night certificate, and travel protect...

- Jarrod West, Upgraded Points
MyBankTracker
MyBankTracker

The could be an ideal fit if you're loyal to IHG hotels and you travel regularly. The $99 annual fee is comparable to what similar hotel rewards cards offer, while the rewards rate is impressive. This card doesn't give you access to luxury benefits, like airport lounge access but as an IHG Rewards m...

- Rebecca Lake, MyBankTracker
CardRatings.com
CardRatings.com

Loyal customers of IHG® and business travelers who only stay at its hotels every time they travel should definitely consider the IHG® Rewards Premier Credit Card. The perks that come with Platinum Elite Status, the free night opportunities, the hefty welcome bonus and the ongoing rewards earning sho...

- Brooklyn Lowery, CardRatings.com
NerdWallet
NerdWallet

The points on this card aren't worth as much as the points in some other hotel programs — but you can earn a lot of points per dollar. IHG is relatively generous with free nights, too.

- Robin Saks Frankel, NerdWallet
CreditCards.com
CreditCards.com

With a large sign-up bonus and other valuable rewards — including a rewards night each year — the IHG Rewards Premier card is packed with value.

- Kelli Pate, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 19.74% ‐ 26.74% (Variable)

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

Balance Transfer Interest Rate 19.74% ‐ 26.74% (Variable)

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

Cash Advance Interest Rate 28.74% (Variable)

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

Rates & Fees
Annual Fee $99.00
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 $40.00

Maximum

Promotions
Sign up bonus 140000 points after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 3 points per $1 spent
Restaurants 5 points per $1 spent
Gas 5 points per $1 spent
Groceries No
Hotels 10 points per $1 spent
  • Plus up to 10X points from IHG® for being an IHG® Rewards member
  • Plus up to 6X points from IHG® with Platinum Elite Status, a benefit of this card
Travel 5 points per $1 spent
Pharmacy No
Bills No
Additional Details

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each calendar 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
  • Enjoy a reward night after each account anniversary year at IHG hotels worldwide.
  • Automatic Platinum Elite status as long as you remain an IHG Rewards Club Premier Cardmember.
  • Save 20% on reward points purchases
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Cancellation/Trip Interruption Insurance
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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