There are few bank cards accessible that make sense for nearly each traveler. However the IHG® Rewards Membership Premier Credit score Card may simply be a kind of playing cards. For simply an $89 annual price, cardholders get IHG Platinum Elite standing, a free night time every cardholder anniversary and — our favourite perk as you’ll see beneath — a fourth night time free on reward stays.

Whether or not you’re contemplating getting this card your self or are already a cardholder and need to maximize the worth out of your card, listed below are the highest methods to get probably the most out of your card membership.

Maximize the free night time certificates

There’s one advantage of the IHG® Rewards Membership Premier Credit score Card that’s invaluable sufficient to simply justify the cardboard’s $89 annual price: an anniversary free night time. Every cardmember anniversary, you’ll obtain a certificates legitimate for a free night time at a property costing 40,000 factors or much less.

IHG printed a listing of properties the place you may’t use this free night time certificates. Nevertheless, since Might 2020, IHG has expanded dynamic award pricing to extra markets and accommodations, which means even pricier accommodations can dip to 40,000 factors per night time when demand is low. Meaning this free night time certificates can take you additional than ever earlier than.

For instance, the InterContinental Danang used to price 70,000 factors every night time. That may make it out of attain for utilizing a free night time certificates. Now with dynamic award pricing, there are many nights that price simply 40,000 factors. You’ll be able to apply a certificates to get a free night time for dates properly into 2021.

This free night time isn’t accessible within the first yr of card membership, however IHG makes up for that by providing a pleasant welcome bonus: Earn 125,000 bonus factors after spending $three,000 on purchases throughout the first three months of account opening.

Make the most of the advantages of Platinum Elite standing

The IHG® Rewards Membership Premier Credit score Card comes with Platinum Elite standing only for holding the cardboard. This mid-tier elite standing usually requires staying 40 qualifying nights in an IHG lodge or 40,000 elite qualifying factors. Advantages of IHG Platinum Elite standing embody 50% bonus factors on paid stays, complimentary room upgrades, prolonged checkout (topic to availability) and a welcome amenity upon arrival.

At many IHG accommodations, the room improve won’t be too fancy. In spite of everything, the Vacation Inn Categorical alongside the freeway most likely isn’t going to have a pleasant suite. Nevertheless, you is likely to be stunned by the upgrades you get, particularly at worldwide accommodations.

As an IHG Platinum member, I’ve been upgraded to the nook room on the highest flooring of a Vacation Inn Categorical in Taipei. The room featured a commanding 180-degree view of the town. Throughout a keep on the Regent Singapore, the entrance desk upgraded my spouse and me from a base room to a multi-room suite with a balcony because of the elite standing.

Picture courtesy of JT Genter

Likewise, the “welcome amenity” will are usually a selection of bonus factors or a snack at many properties. Nevertheless, different properties present drink vouchers for cocktails on the lodge bar, a fruit plate in your room or a singular amenity particular to the property.

Max out your return on IHG stays

The IHG® Rewards Membership Premier Credit score Card earns a whopping 10x factors per $1 spent at IHG Motels & Resorts. Primarily based on NerdWallet valuations, that’s a return of eight% in your spending. No different bank card comes near offering that kind of return on IHG purchases.

Nevertheless, there’s one other method that cardholders might be rewarded after IHG stays: elite bonus factors.

Non-elite IHG Rewards members earn 10x factors per greenback on stays at most IHG properties even with out utilizing an IHG-branded bank card.

However because of having Platinum Elite standing from the cardboard, you’ll earn a 50% bonus on that incomes for a complete of 15x factors from IHG Rewards.

Get each fourth award night time free

One of many methods which you can get an unbelievable quantity of worth from this IHG card is thru the cardboard’s fourth-reward-night-free profit. Right here’s the way it works: In case you e book a keep of 4 or extra nights with IHG Rewards factors, IHG will routinely set the price of the fourth night time to zero factors.

In case you’re staying someplace eight or extra nights, you’ll get each the fourth night time and the eighth night time free. There’s no want to interrupt the keep into two four-night stays.

This profit is uncapped, and I’ve put that to the take a look at. In 2019, I saved 185,000 IHG Rewards factors throughout 11 fourth-night-free stays. As a result of NerdWallet values IHG Rewards factors at zero.eight cent every, I saved roughly $1,480 price of factors in 2019 from simply this one profit.

World Entry / TSA Precheck

The IHG® Rewards Membership Premier Credit score Card is much from the one bank card that reimburses World Entry or TSA Precheck charges. However, for those who’re signing up for — or renewing — World Entry or TSA Precheck, this one profit can prevent as much as $100.

Simply use the cardboard to pay the $100 World Entry software price or the $85 Precheck software price, and also you’ll obtain a press release credit score inside 24 hours of the price being posted to your account.

If you have already got World Entry or Precheck, a buddy or member of the family can use your IHG® Rewards Membership Premier Credit score Card card to pay the applying price to make the most of this perk. Simply take into account that you’ll solely get this assertion credit score as soon as each 4 years.

No international transaction charges

Loads of nice bank cards don’t have any international transaction charges. Nevertheless, this perk is necessary in relation to maximizing the worth in your IHG® Rewards Membership Premier Credit score Card. In case you’re on a visit abroad, you don’t should determine between incomes 10x factors and avoiding international transaction charges when paying to your lodge keep. With this IHG card, you may get each.

The underside line

The IHG® Rewards Membership Premier Credit score Card is filled with loads of invaluable advantages for simply an $89 annual price. From a free night time certificates and a fourth night time free on award stays to mid-tier elite standing, lots of the advantages on this card are every price greater than the annual price.

Maximize Your Rewards

You need a journey bank card that prioritizes what’s necessary to you. Listed here are our picks for the finest journey bank cards of 2020, together with these finest for:


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