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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
150000 points (after spending $3,000)

Informr score
The IHG® Rewards Club Premier Credit Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 23 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...


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

The IHG® Rewards Club Premier Credit Card* is a must-have credit card if you stay at IHG properties often, due to its generous point earnings on IHG hotel stays, annual anniversary night and fourth night free on award bookings. If you are new to hotel loyalty programs, the included Platinum status o...

- Holly Johnson, Aaron Hurd, Forbes

If you’re looking to earn hotel points with the IHG Rewards Club, the IHG Rewards Club Premier Credit Card will give you a huge boost. The sign-up bonus alone is worth several free nights, and you’ll even get automatic elite status just for being a cardholder.

- Holly Johnson, NextAdvisor
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 (especially with the recent devaluation of points), but because the anniversary free night certificate can be worth way more than the ongoing $89 annual fee. Add...

- Ben, One Mile at a Time
Traveling For Miles

If you stay at IHG properties with any great frequency you would be well advised to have an IHG co-branded credit card in your wallet and with a 140,000 bonus point welcome offer and a host of excellent benefits to make your IHG stays better and cheaper, the IHG Rewards Club Premier credit card is p...

- Ziggy, Traveling For Miles


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

Waived on the first year

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 150000 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
  • Free year of DoorDash DashPass
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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