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IHG Rewards Premier Mastercard Overview
The IHG® Rewards Premier Mastercard, issued by Chase, is likely one of the greatest choices for vacationers who usually discover themselves staying at IHG properties. The cardboard offers you Platinum Elite standing and the choice to earn Diamond standing. You earn nice charges at IHG properties, however the worth of IHG Rewards factors shouldn’t be very excessive.
The IHG Rewards Premier card at the moment has a beneficiant sign-up bonus, plus a free evening after every account anniversary for a $99 annual payment.
Take a look at the professionals and cons of the Chase IHG Rewards Premier bank card and the complete evaluate beneath.
Professionals |
Cons |
✅ Good incomes charges, together with as much as 26x factors per $1 on IHG stays. | ❌ $99 annual payment. |
✅ Automated Platinum Elite standing. | ❌ Factors aren’t transferrable and are value simply lower than half a cent every. |
✅ Greatest ever signup bonus of 175,000 factors. |
Welcome Provide
- If you join the IHG® Rewards Premier Mastercard, you’ll be able to earn a bonus of 175,000 IHG Rewards factors after you spend $3,000 throughout the first three months of opening your account.
- Annual Payment: $99
- LEARN MORE
Contemplating that you could get a median worth of about 0.4 cents cent per level, this bonus is value not less than $700. That is the best ever bonus provided for this bank card and you may definitely get much more worth out the the factors, in case you intention to maximise them.
Incomes Rewards
The IHG Rewards Premier Mastercard earns as much as 26X factors on stays at IHG inns and as much as 5X in all places else. Right here the way it works:
- Earn as much as 26 complete factors per $1 spent while you keep at an IHG resort:
- 10 factors for paying with IHG Rewards Premier.
- 10 factors as an IHG Rewards member.
- 6 factors from Platinum Elite Standing, an computerized profit for cardmembers.
- 5 factors per $1 spent at fuel stations, journey and eating places.
- 3 factors per $1 spent on all different purchases.
Tips on how to Redeem Rewards
With co-branded resort playing cards you at all times have some limitations in terms of redeeming factors. That’s why it is very important take into account in case you plan to remain at eligible properties earlier than making use of. The IHG portfolio has 18 resort manufacturers at 6,000+ locations. Among the hottest names embody Vacation Inn, InterContinental, Crowne Plaza, Kimpton, EVEN Lodges and Indigo Lodges.
IHG does have airline switch companions, however you’d get even much less worth out of your factors in case you redeem that approach. You too can use your factors for merchandise, reward playing cards and donations, however the worth is once more subpar.
The easiest way to make use of the factors is clearly by way of the IHG One Rewards program. This program doesn’t have an award chart and makes use of dynamic award pricing as a substitute. Usually you may get free nights ranging from 10,000 factors, however you’ll hardly ever discover redemptions for as 5,000 factors per evening. At these redemption values you’ll not discover any wonderful properties. These might be on the different finish of the spectrum the place redemptions go as excessive as 120,000 factors per evening.
In case you don’t have sufficient factors for a redemption, you can too can combine factors and money for a reserving.
Primary Perks and Advantages
The signup bonus is clearly the principle cause to enroll in this bank card. However you can too get extra perks and advantages that certainly enhance your IHG stays and supply extra worth. Maximizing all these advantages could make this card a keeper even lengthy phrases contemplating the low annual payment of $99.
Anniversary Free Evening
Cardmembers earn an Anniversary Free Evening certificates with a present level redemption cap of 40,000 factors on their account anniversary date annually. Simply this profit alone ought to cowl the annual payment.
Although there’s a redemption cap for the Anniversary Free Evening, cardmembers may use factors from their IHG One Rewards account to redeem at inns above the 40,000 level stage. So if a resort is priced at 60,000 factors per evening for instance, you need to use the Anniversary Free Evening certificates and 20,000 factors.
IHG One Rewards Elite Standing
Cardmembers get computerized Platinum Elite standing, which supplies you 60% bonus earnings on high of the bottom factors you earn by way of your IHG Rewards Membership membership. You additionally get assured reservation when booked not less than 72 hours prematurely, a room improve primarily based on availability, a welcome amenity and another perks.
Cardmembers may earn IHG One Rewards Diamond Elite standing after spending $40,000 on purchases with their card every calendar 12 months. That will increase the bonus incomes to 100% and provides you some extra perks. However it’s not well worth the effort contemplating the excessive spend requirement.
4th Evening Free
When cardmembers redeem factors for a consecutive four-night IHG resort keep, they’ll obtain the fourth Reward Evening free redeemable at that very same resort throughout that very same keep. If you could find 4 nights of consecutive award house at certainly one of your favourite properties, this may be an effective way to get extra worth to your factors.
Different Advantages
- Earn 10,000 bonus factors and a $100 assertion credit score after spending $20,000 on purchases in a calendar 12 months.
- Obtain a International Entry or TSA PreCheck® or NEXUS Assertion Credit score of as much as $100 each 4 years as reimbursement for the applying payment charged to the cardboard
- As much as $50 United® TravelBank Money every calendar 12 months.
- Auto rental collision harm waiver while you use your card. Protection is secondary when renting throughout the U.S.
- Baggage delay insurance coverage as much as $100 a day for a most of three days
- Misplaced baggage reimbursement as much as $3,000 per passenger.
- Journey cancellation and journey interruption insurance coverage as much as $5,000 per particular person and as much as $10,000 per journey.
- Buy Safety and Prolonged Guarantee.
- No international transaction charges.
IHG Rewards Premier Mastercard Overview: Guru’s Wrap-up
The IHG® Rewards Premier Mastercard is a card value getting when there’s a large welcome bonus, particularly in case you usually end up staying at IHG properties. You’ll be able to accumulate factors and earn free nights rapidly, so long as you’ll be able to keep loyal to the IHG One Rewards program.
The cardboard additionally offers perks like a free evening on each anniversary, computerized Platinum Elite standing, a fourth-night-free reward on award stays, $50 United Airways credit score, and free International Entry, TSA PreCheck or NEXUS. These perks are well worth the $99 annual payment in case you truly use them.
However however, the rewards you earn can solely be used on IHG stays and the worth of your factors is on common about 0.4 cents every. If you’d like extra journey choices, take into account playing cards that provide you with extra flexibility similar to Capital One Enterprise X, and Chase Sapphire Most well-liked to call a couple of.
DannyDealGuru has partnered with CardRatings for our protection of bank card merchandise. DannyDealGuru and CardRatings could obtain a fee from card issuers. Responses aren’t supplied or commissioned by the financial institution advertiser. Responses haven’t been reviewed, authorized or in any other case endorsed by the financial institution advertiser. It’s not the financial institution advertiser’s duty to make sure all posts and/or questions are answered.
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