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IHG One Rewards Premier Credit Card

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IHG One Rewards Premier Credit Card

06/18/24 04:16 pm

Are you looking to maximize your travel rewards and enjoy luxurious hotel stays? The IHG One Rewards Premier Credit Card could be the perfect fit for you.

 

Overview of IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card offers a host of benefits tailored to frequent travelers. Here’s a quick overview:

  • Annual Fee: $99

  • Intro Bonus: Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

  • Reward Rates:

    • Up to 26x points per $1 spent at IHG Hotels & Resorts

    • 5x points per $1 spent on travel, at gas stations, and restaurants

    • 3x points per $1 spent on all other purchases

  • APR: 21.49% - 28.49% variable

  • Foreign Transaction Fee: None

  • Additional Perks: Anniversary Free Night, fourth reward night free on four-night stays, automatic Platinum Elite status, Global Entry/TSA PreCheck/NEXUS fee credit

 

Pros and Cons of IHG One Rewards Premier Credit Card

Like any card, the IHG One Rewards Premier Credit Card has its pros and cons.

Pros

  • High Reward Rates: Earn up to 26 points per $1 spent at IHG properties.

  • Generous Intro Bonus: 140,000 bonus points after meeting the spending requirement.

  • Anniversary Free Night: Enjoy a free night at IHG properties each year.

  • Automatic Elite Status: Platinum Elite status with benefits like room upgrades and bonus points.

  • Luxury Perks: Up to $100 Global Entry, TSA PreCheck, or NEXUS fee credit, $30 spa credit

Cons

  • Annual Fee: $99.

  • Limited Flexibility: Rewards are best used at IHG properties.

  • High APR: Variable APR of 21.49% - 28.49%.

  • Balance Transfer Fee: $5 or 5% of the amount, whichever is greater.

 

Everything IHG One Rewards Premier Credit Card Can Do For You

The IHG One Rewards Premier Credit Card offers numerous benefits that can significantly enhance your travel experiences. Here’s a detailed look at what you can expect:

  • Earn 26x Points at IHG Hotels & Resorts: Maximize your stays by earning up to 26 points per $1 spent at IHG properties. For example, a $500 stay at an InterContinental Hotel could earn you 13,000 points.

  • 5x Points on Travel, Gas, and Dining: Earn 5 points per $1 spent on travel, gas stations, and restaurants. This means a $100 dinner earns you 500 points, adding up quickly over time.

  • Global Entry/TSA PreCheck/NEXUS Credit: Get up to $100 in statement credits every four years for these expedited travel programs, making your airport experience smoother.

  • Automatic Platinum Elite Status: Enjoy benefits like room upgrades, priority check-in, late checkout, and a 60% bonus on base points earned.

 

Unique Benefits of IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card comes with several unique benefits that set it apart.

 

Anniversary Free Night:

Every year, on your account anniversary, you get a free night at any IHG property worldwide. Imagine spending a night at a luxurious InterContinental hotel or a cozy Holiday Inn Resort, all for free. This benefit alone can provide significant value, especially if you choose high-end properties.

 

Fourth Reward Night Free:

When you redeem your points for a stay of four consecutive nights, the fourth night is free. For example, if you book a four-night stay at a Crowne Plaza using points, you only pay for three nights with your points. This perk can save you a substantial number of points, making your rewards stretch further.

 

Platinum Elite Status:

As long as you are a card member, you enjoy automatic Platinum Elite status. This includes a 60% bonus on base points, room upgrades based on availability, and a guaranteed reservation when booked at least 72 hours in advance. These benefits enhance your stay, making each visit more comfortable and rewarding.

 

Comprehensive Travel Insurance:

With the IHG One Rewards Premier Credit Card, you can travel with peace of mind. The card offers trip cancellation/interruption insurance, reimbursing up to $5,000 per trip if your travel plans are disrupted by sickness, severe weather, or other covered situations. Additionally, travel accident insurance provides coverage of up to $500,000. The card also provides lost luggage reimbursement of up to $3,000 per passenger.

 

Purchase and Warranty Protection:

The IHG One Rewards Premier Credit Card safeguards your purchases. Purchase protection covers items against theft or damage for 120 days, up to $500 per claim and $50,000 per account. Extended warranty protection adds one year to eligible manufacturer’s warranties, up to $10,000 per claim on warranties of three years or less. 

 

Things to Look Out For

While the IHG One Rewards Premier Credit Card offers numerous benefits, it might not be suitable for everyone. Consider these points:

  • The $99 annual fee might not be justifiable if you don’t frequently stay at IHG properties.

  • High APR rates can result in significant interest charges if you carry a balance.

  • The rewards are best utilized at IHG properties, which might not suit travelers who prefer other hotel brands.

  • The card doesn’t offer introductory APR rates for purchases or balance transfers.

 

Conclusion

The IHG One Rewards Premier Credit Card is a powerful tool for frequent travelers who prefer staying at IHG properties. Its high reward rates, generous intro bonus, and valuable perks like the Anniversary Free Night and Platinum Elite status make it a compelling option. However, the annual fee and limited reward flexibility might not suit everyone.

 

Ready to elevate your travel experience? Learn more about the IHG One Rewards Premier Credit Card and see how it can enhance your stays and adventures.

 

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.


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