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IHG® Rewards Premier Credit Card review

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Advertiser Disclosure

Annual Fee
$99.00
Interest Rate: Purchases
16.74% ‐ 23.74% (Variable)
Interest Rate: Purchases
16.74% ‐ 23.74% (Variable)
Balance Transfer
16.74% ‐ 23.74% (Variable)
Balance Transfer
16.74% ‐ 23.74% (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 28 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...


One Mile at a Time
One Mile at a Time

The IHG Premier Card is a product that I highly recommend getting. The card’s $99 annual fee is really easy to justify, thanks to the anniversary free night award, up to $50 in United credits, IHG Platinum status, and much more. This free night certificate is the single biggest benefit of the card,...

- Ben Schlappig, One Mile at a Time
FinanceBuzz
FinanceBuzz

Designed with the IHG traveler in mind, the IHG Rewards 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 this...

- Matt Miczulski, FinanceBuzz
Business Insider
Business Insider

If you stay at IHG properties even just a few times a year, the IHG® Rewards Premier Credit Card is a great way to save money on your hotel stays and enjoy extra benefits. The annual free night alone can easily be worth much more than the annual fee, and perks like up to $50 in United TravelBank Cas...

- Ariana Arghandewal, Jasmin Baron, Business Insider
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
Money Crashers
Money Crashers

The IHG® Rewards Premier Credit Card pays you back when you stay at nearly 5,000 hotel properties around the world, including commonplace, affordable brands like Holiday Inn Express and Candlewood Suites. It’s great for frequent travelers who can spend enough – and redeem free nights frequently enou...

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 23.74% (Variable)

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

Balance Transfer Interest Rate 16.74% ‐ 23.74% (Variable)

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

Cash Advance Interest Rate 25.74% (Variable)

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

Rates & Fees
Annual Fee $99.00

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 $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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