IHG One Rewards Premier Credit Card Review

In this review of the IHG One Rewards Premier Credit Card, we take a look at its features and how it can be of benefit to frequent travelers with loyalty to IHG hotels. The card comes with a free anniversary night, a generous welcome bonus offer of 140,000 reward points, a free reward night when you redeem reward points for a stay of four nights or more and high reward rates on travel purchases made with the card.

The Chase IHG One Rewards Premier Credit Card comes with many benefits. You can earn rewards at a 26x rate for purchases with IHG. You earn 10 reward points for every dollar spent at IHG hotels and resorts as a cardholder and up to 10 points per dollar for being a member of the IHG Rewards Club. You can earn a further five points for every dollar on account of your Platinum Elite Status with IHG. The welcome offer of 140,000 bonus points is contingent on spending at least $3,000 in the first three months, and you can earn a further 10,000 points if you spend $20,000 on purchases in a calendar year. You also get one free anniversary night every year and another free night when you redeem your rewards for a stay of four or more nights.

You can redeem your points in the following ways:

• Earn 140,000 bonus points by spending $3,000 on purchases in the first three months.
• Stand to earn 10,000 bonus points each year by spending $20,000 on purchases and making one additional purchase.
• Earn up to 26x points when you stay at IHG hotels (10x points as an IHG Rewards Club Premier cardholder, 10x points as an IHG Rewards Club member and 5x points as a Platinum Elite status holder).
• Earn 3x points when you spend at gas stations, restaurants and grocery stores.
• Get elevated to IHG Rewards Platinum Elite status automatically.
• Get a free reward night after every account anniversary.
• Qualify for an added free night when you use reward points to pay for stays of four or more nights.
• Get protection when you’re traveling through trip cancellation/trip interruption insurance, lost luggage reimbursement and baggage delay insurance.
• Safeguard your purchases against damage and theft (up to $500 per claim) for 120 days through purchase protection.
• Get a $100 credit as reimbursement for Global Entry/TSA PreCheck fees every four years.

The IHG One Rewards Premier Credit Card comes with several other benefits and perks.

• Elite status perks: The card comes with a complimentary Platinum Elite status membership with IHG, which comes with several perks. You can enjoy guaranteed room availability, 50% increased bonus earnings on hotel stays, complimentary room upgrades on eligible stays, late checkout and free minibar access at eligible hotels.
• Global Entry or TSA PreCheck: If you use your credit card to pay for Global Entry or TSA PreCheck applications, you are eligible for reimbursement of up to $100 once every four years.
• Luggage protection: With this card, you can qualify for reimbursement of up to $100 per day for a maximum of three days for basic supplies if your luggage is more than six hours late. If your luggage gets damaged or lost, you can get up to $3,000 in compensation per passenger.
• Travel insurance: With the IHG One Rewards Premier Credit Card, you have access to trip cancellation and interruption insurance, which reimburses up to $5,000 per person and $10,000 per trip if your trip is canceled or shortened on covered incidents.
• Purchase protection: New purchases remain covered against damage or theft for a period of up to 120 days from the date of purchase, up to $500 per claim and $50,000 per card account. Also, you can activate a one-year warranty extension for new purchases made using the card for warranties of three years or less.

The IHG One Rewards Premier Credit Card can present good value for frequent travelers with brand loyalty to IHG. However, to get a better idea about what might work best for you, you can take a look at viable alternatives.

In-Depth Credit Card Comparisons:

• IHG One Rewards Premier Credit Card vs IHG One Rewards Traveler Credit Card
• IHG One Rewards Premier Credit Card vs World of Hyatt Credit Card