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Chase IHG Premier Credit Card

IHG has a monster footprint repping 5000+ hotels in 100 countries and have brands that meet the needs of every traveler across the spectrum. There are endless ways to accrue large amounts of IHG points, and having this card in your wallet means you can stretch those points even further. Let’s take a look at the benefits of the card, this offer, and how its perks reward you. It’s been just over a year since IHG released this card, and they’re back with an offer better than ever.

What are the perks of the IHG Rewards Club Premier card?

• 140k bonus points after spending $3k in the first 3 months of account opening
• Earn 25x points at IHG hotels
• A free night after each account anniversary year
  • These are currently valid at properties 40k points and below
• 4th night free when redeeming points
• 20% off purchased points
  • Can’t be stacked with points sales tho
• 10x points at IHG hotels
• 2x points at gas stations, grocery stores, and restaurants
• Platinum status at IHG while holding the card
• Global Entry/TSA Pre fee credit every 4 years ($100)
• No Foreign Transaction
• $89 annual fee

Interested in the Chase IHG Rewards Premier  

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Annual night certificate effectively pays for the card’s annual fee year after year.

As I mentioned above, every year you keep the card, you’ll get a free night certificate. There are a ton of 40k and under hotels in the world whose nightly rate is WAY over $89.  In fact…I wrote an entire article about it. Read that here.

Also, IHG has gone to dynamic award pricing which means that you can use the free night if the hotel is offering at 40k or less. Keep an eye on it…

140k bonus points is the best ever

The highest ever public offer was 140k after $3k spend in 3 months

The 4th night free benefit is most intriguing.

While a lot of fanfare has been made about the annual night certificate dropping from any IHG property in the world to just 40k properties and under ( referring to the IHG Rewards Select), I think one of the most interesting benefits is the 4th night free benefit when using points for the redemption.

For everyone:

If you take the cheapest cost that IHG points are ever offered ( half a cent) then basically if you stay at any property that 20k+ plus, you’re recouping your annual fee. If you targeted a 40k point hotel in your second year of card membership, so you could add on a free fifth night, and only pay for 3 nights. That’s a helluva deal.

For my situation specifically:

My family has IHG timeshares and often opts to take points in lieu of staying in them. This means we often have a nice healthy balance of points. Seeing as though top tier IHG properties are 70k a night, and points are divided amongst two accounts, we could be saving 140k a stay ( when we book two rooms) at places like the Intercontinental Cannes. That’s absolutely massive savings.

Interested in the Chase IHG Rewards Premier  

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If you’re like me and already have the now retired IHG Rewards Select…you’ll save even more by stacking.

Let’s take the situation I was describing above. A 4 night stay at the Intercontinental Cannes – 70k a night

With the IHG Rewards Club Premier card we’re talking about 210k for a 4 night stay ( 4th night at 70k isn’t charged). However, since my mom, dad, and I all have the IHG Rewards Select card that earns 10% back on all redeemed points ( up to 100k a year) we would be saving an additional 21k points on the stay per room.

4 nights at top tier properties for just 189k points is amazing.

If you renewed Ambassador with a 10% rebate you’d save even more points.

I wrote about this multiple times, but many people are targeted for an additional 10% refund on Intercontinental stays as part of their renewal. If you currently have this benefit, you’d drop the total for 4 nights down another 10% to just 170k points. That is extremely attractive.

20% discount on purchased points.

This discount DOES NOT apply to points purchased during targeted sales. So…that almost makes the discount moot.

Is it restricted by 5/24?

All Chase cards are now restricted by 5/24

Why I may not get it.

I currently have several Chase cards, and while I think the card adds a lot of value to my portfolio, Chase has been recently denying people with multiple cards. That is giving me a little bit of pause, and if you’re in my situation, something to consider.

Overall:

Whether I get this card in the short term, or not, it’s a card on my radar and something I think I will ultimately add to my wallet. Looking at the frequency of which I stay in IHG properties with points, the 4th night free benefit is uber valuable to me and my family. Time will tell how the old IHG card continues to maintain benefits, or even exist, but a 4th night free benefit teamed with the annual night cert is a killer 1-2 punch.