Last updated: 7/5/2022

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IHG® Rewards Club Premier

Earns: IHG Rewards Club

GigaTake:

IHG points are some of the least valuable travel points around. But this card comes with a free night and the sign-up bonuses can get big. If you stay at IHG properties it could be worth having in your wallet (but please put your non-IHG spend on another card).

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} IHG Rewards Club
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

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Welcome Bonus${{welcomeBonusAmount | number}}

See how the IHG® Rewards Club Premier compares to other credit cards

IHG® Rewards Club Premier Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 5x

Value = 0.7 cents per point
Effective Value = 3.5 %

0%
7%

Reward Rate = 5x

Value = 0.7 cents per point
Effective Value = 3.5 %

0%
6%

Reward Rate = 5x

Value = 0.7 cents per point
Effective Value = 3.5 %

0%
6%

Reward Rate = 3x

Value = 0.7 cents per point
Effective Value = 2.1 %

0%
3%

Welcome Bonus = 140,000

Value = 0.7 cents per point
Effective Value = $980

$0
$1700

Annual Fee = $89

$0
$995
Welcome Bonus
140,000

Excellent

Bonus Rating

Excellent

In the top 15% of cards.

Points

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
5x Dining

Excellent

excellent

Excellent

In the top 15% of cards.

5x Travel

Excellent

excellent

Excellent

In the top 15% of cards.

5x Gas

Excellent

excellent

Excellent

In the top 15% of cards.

27x IHG

Excellent

excellent

Excellent

In the top 15% of cards.

3x All Other

Excellent

excellent

Excellent

In the top 15% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
IHG Rewards Club
Gigapoints Value
.7¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Other Card Information

Earn 140,000 Bonus Points + 1 Free Night after spending $3,000 on purchases in the first 3 months from account opening.

Annual Fee
  • $89
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Anniversary Free Night

Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide.

Fourth Reward Night Free

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

Platinum Elite Status

As an IHG Rewards Club credit cardmember, you are upgraded to IHG Rewards Club Platinum Elite status for as long as you remain a Premier cardmember, and as long as your IHG Rewards Club membership remains in good standing.

TSA Pre

Global Entry or TSA Pre✔® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.

The Fine Print

PURCHASES APR 16.74% – 23.74%
BALANCE TRANSFER FEE Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.74% Variable
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
LATE PAYMENTS Up to $39.
FOREIGN TRANSACTION FEE 0%