5 Reasons to Get the IHG Credit Card with the Highest Ever Offer


holidy inn aruba, ihg
Stay right on Palm Beach at the Holiday Inn Aruba with your free night certificate (photo from Holiday Inn Resort Aruba)
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IHG is currently offering 125,000 points with their IHG Rewards Club Premier Credit Card . While this isn’t the best offer we’ve ever seen, it is second best. (The best was a 140,000 IHG point offer).

This is definitely a great offer for the card and one of those cards that I keep year after year due to the money saving benefits. This card comes with an $89 annual fee, but is well worth it as the value I receive on an annual basis equates to way more. You are also eligible for this card and the welcome offer even if you have the old IHG Select Credit Card!

What is so great about this card is that you receive a great sign up offer along with ongoing annual benefits. You’ll find that some other cards have minimal benefits year-after-year, but not with this card. With this card, you’ll find that the benefits surpass the annual fee and quite significantly.

The best perks of the card include:

Free Night Every Single Year

With this card you’ll receive a free night certificate on every anniversary year at eligible hotels. Although you are now capped at a hotel that costs 40,000 points or less, this perk alone should pretty much pay for the yearly annual fee, if not more. For example, you can use this free night certificate at the Holiday Inn Aruba which is right on the beach and can easily go for $300+ a night during peak season.

Quite understandable that you might not be traveling to Aruba right now — or really anywhere — the free night certificate won’t kick in until next year anyways (if you apply now) and travel will go back to normal at some point.

Stay right on Palm Beach at the Holiday Inn Aruba with your free night certificate (photo from Holiday Inn Resort Aruba)

4th Night Free on Award Stays

If you commonly stay 4+ nights at hotels, this is an awesome perk. When you book with your IHG points, you’ll receive your 4th night free just by being a cardmember. With many other chains, such as Marriott and Hilton, your free night doesn’t appear until the 5th night, so getting the 4th night free is big. This is definitely a unique benefit and one that can save you a ton of points throughout the years as there is no maximum number of times you can take advantage of this benefit.

Intercontinental Hotel, near Papeete, French Polynesia (photo from Wikimedia – David Broad)

Not only that, if you still have the old IHG Select Credit card, you can combine the 10% rebate you receive with that card with the 4th night free with the IHG Rewards Club Premier Credit Card. So let’s say you are looking to stay four nights at a hotel that typically costs 40,000 points, for example. You’ll end up redeeming just 120,000 points (due the 4th night free benefit) and then you’ll receive 12k points back as a rebate after your stay. This means you are looking at spending just 27,000 points a night for a four night stay! That is an incredible value since there are many opportunities to purchase IHG points at just .5 cents a point if you are running low on points. That equals out to just $135 a night at a 40k point property.

Global Entry or TSA Precheck Fee Credit

This is a popular benefit amongst many cards but typically only appears on the very expensive credit cards. So to have this benefit on a normal annual fee card is pretty rare and awesome. Essentially, you pay for your Global Entry application fee and you’ll receive a $100 statement credit — ultimately giving you free Global Entry. While you can also use the fee credit on TSA Precheck instead (which is only $85) you might as well get Global Entry as it comes with TSA Precheck as well. The good thing about this credit is that the application doesn’t have to match the name on the credit card. This means if you already have Global Entry all you have to do is pay for another friend or family members application and you’ll still get the $100 statement credit. You can receive this statement credit every 4 years.

Platinum Elite Status

While IHG Platinum status won’t get you too much when staying at their properties, there are a few benefits to having this status, such as:

  • Your points will NEVER expire. Typically IHG points expire if there is no activity in the account for a 12 month period. When you have Platinum status (even if it is just earned from having the credit card), your points will not expire even if there has not been any activity in 12 months. This is definitely one of the shorter expiration periods amongst hotel chains, so not having to remember to keep your account active is nice.
  • Raid the Bar Credit. Platinum status also matches to Kimpton’s “Tier 3” status which will get you a $10 Raid the Bar credit when staying at Kimpton properties.

Also, just having some sort of status when you walk into a hotel is much better than no status at all as it can definitely increase your chances of an upgrade.

Cell Phone Protection

With the IHG Rewards Club Premier Credit Card, you’ll have baked in cell phone protection as long as you use this card to pay for your monthly cell phone bill. With this benefit, you are protected against covered theft or damage and can receive up to $800 per claim, up to $1,000 per year.

Unfortunately, you can only make two claims per a 12-month period, unlike the Chase Ink Preferred which covers you against three claims. On the flip side though, your deductible is only $50 per claim, where the Chase Ink Preferred is $100.

This is a great perk and makes using a card that offers protection well worth it.

Overall…

The IHG Rewards Club Premier Credit Card is a great offer right now and significantly better than what we’ve seen in the past. With that being said, I wouldn’t personally use this credit card for my every day spend, as the real benefits are simply for just having the card, not necessarily using the card often. With a high welcome offer, a free night certificate, your 4th night free on award points and reimbursed Global Entry and cell phone protection, this is a great opportunity for travelers.

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jim
jim
11 months ago

I have this card for 7 years now and i have gotten zero benefit for being platinum at any IHG hotels. not even room upgrade or late check out. Also the point is so bad that most hotels with standardroom that has cash rate of $89 a night cost 50,000 points a night or more. Will be canceling during my renewal.

Dima
Dima
7 days ago
Reply to  jim

Interesting, the status actually does get me some benefits. I get drink(s) vouchers at most IHG hotels upon check-in, got a decent discount on a dinner at the hotel near Abu Dhabi airport and sometimes I am being told that I am getting a better room than I would have gotten otherwise. I would say that domestically the status recognition is not nearly as strong as outside of the US.

margy
margy
5 months ago

This is referring to the newer IHG card that has several better bonuses. I guess I have just been lucky because I never have not received late check out and often receive upgraded rooms and treats for special occasions. It always helps to send an email to manager making requests. As far as points, the only hotels requesting 50 were those at prime locations like Chicago Magnificent Mile or Maldives etc

Ann Kress
Ann Kress
8 days ago

The offer is now 125,000 points if you spend $3000 in 3 months. Is this still a good offer or should I wait for a better one?

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