Combining Two IHG Credit Cards Benefits to Get 32% Off Point Reservation

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There are two types of credit cards — those that allow you to earn valuable points and miles on everyday purchases and then those that provide valuable benefits simply by having the card. For the later, there are many cards that pretty much stay in my sock drawer, so to speak, and the benefits I receive on an annual basis far outweigh the annual fees. Two cards that absolutely fall into this category are the IHG Rewards Club Premier Credit Card and the IHG Rewards Club Select Credit Card (no longer available to new applicants).

While both cards have many benefits, both offer a discount/rebate when using your points to redeem for a free night. Fortunately, if you are a cardmember of both cards, you can stack the savings and really come out ahead for all IHG point reservations.

IHG Premier Credit Card: 4th Night Free

When the IHG Rewards Club Premier Credit Card launched last year, one of the more favorable benefits was that you’d receive your fourth night free on all reservations booked with points. For those why typically stay 4+ nights at IHG properties, this is a huge way to save your points. While other hotel chains also give you a free night when you use your points, such as Hilton and Marriott, it requires you to stay an extra night since you’ll get the fifth night free (instead of your fourth night with IHG). For me personally, there are many times throughout the year where staying four nights at a single hotel is a common occurrence, but five nights is a stretch.

IHG Select Credit Card: 10% Rebate

With the old IHG Select Credit Card, which is unfortunately no longer available to new card members, their point saving benefit gives you a 10% rebate on all reservations. Unlike the fourth night free benefit, there are no minimum number of nights required to receive the rebate (although you are capped at receiving 100k points back per year).

Stay at the Holiday Inn & Suites Clearwater Beach right on the water and get your 4th night free + 10% points back!

Combining the Two Benefits

Unlike many other Chase cards within the same “family”, you are eligible for the IHG Rewards Club Premier Credit Card even if you are a current IHG Select Credit Card member. In my opinion, there is no reason to actually upgrade your old card to the new card, but to instead apply for the new card to take advantage of the limited time offer as well as the new benefits. Of course, that is if you are able to take a hit against your Chase “5/24” status. Right now, this card is offering up to 120k points after meeting the minimum spend requirement — it is the highest offer we’ve ever seen for the card. This offer is set to expire May 1, 2019.

If you are a cardmember for both cards and you use points for exactly a four night stay, you’ll ultimately be spending 32.5% less points. For example, let’s say you are staying at a property that requires 40,000 points for a free night. This will cost you 120,000 points. After you complete your stay, you’ll then receive 12,000 points back into your account (10% of the total number of points redeemed). This means your four-night stay will only cost you 108,000. This is a 32.5% discount on what would have originally required 160,000 IHG points! The only thing to keep in mind is that the 10% rebate is in fact a rebate, so you must have the full number of points in your account to actually book the reservation. The points you get back can then be used towards a future IHG stay.

Best of all, both benefits work on IHG PointBreak reservations!

Stay right on Palm Beach in Aruba for just 27,000 points a night when you combine both benefits!

Purchasing IHG Points on a Deal

Since IHG many times sells points at .5 cents per point, even if you are short on points, purchasing points can be quite a deal when combining the two benefits. For example, if looking to redeem your points at a property that costs 40,000 points a night, at .5 cents per point, a four night stay will ultimately only cost you $540 (or just $135 per night). Of course though you’ll need to purchase the full number of points prior to the rebate taken into consideration, but you can always put those points towards another stay assuming you stay at IHG properties often enough.

One example when this could be useful is if you are looking to stay beachfront in Aruba. The Holiday Inn Express in Aruba is located right on Palm Beach with the beach right outside of the room. This is a resort property and if you can stay for just $135 a night, especially during peak dates, that is an incredibly inexpensive cost to stay in the Caribbean!

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Steve T
Steve T
1 year ago

Do you know when we get credited back the 10% for points redeemed? I just finished a stay 1 week ago and haven’t seen the points yet. Thanks

1 year ago
Reply to  Steve T

In my previous experiences from this summer I found that the rebates can take up to a few weeks to process. I would say at least 2 weeks. Not sure if they have an exact process date since it was random for each stay.

Steve T
Steve T
1 year ago
Reply to  Mike

Thank you

1 year ago

The app is offering a $50 statement credit if you apply through there when making a reservation.

1 year ago

I used to be a big fan of IHG’s rewards program, back when learning of it via Drew, Daraius, & Geg…. But I’ve long soured on the program, after one major blow to the program from so many angles. (gutted point breaks program, pathetic into-the-chaos non-promotions, the decelerate lunacy, the major devaluations of points, the every accelerated cash rates — the kimpton effect, etc. etc. none of which you mention here of course, you have a card to sell) But putting aside my now intense resistance to all things IHG & the crew from Manila, you do have one good… Read more »

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