{"id":91111,"date":"2026-05-05T23:29:56","date_gmt":"2026-05-05T23:29:56","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/ihg-one-rewards-premier-credit-card-review-full-details\/"},"modified":"2026-05-05T23:29:56","modified_gmt":"2026-05-05T23:29:56","slug":"ihg-one-rewards-premier-credit-card-review-full-details","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/ihg-one-rewards-premier-credit-card-review-full-details\/","title":{"rendered":"IHG One Rewards Premier Credit Card review: Full details"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<h2 class=\"jsx-2362441780\">IHG One Rewards Premier Credit Card overview<\/h2>\n<p>The <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\">IHG One Rewards Premier Credit Card<\/span> (see <span>rates and fees<\/span>) offers several useful perks for frequent IHG guests. However, you may not get enough ongoing value from this card if IHG One Rewards isn&#8217;t your primary hotel loyalty program. <strong>Card rating*: \u2b50\u2b50\u2b50\u2b50<\/strong><\/p>\n<h6>*<em><span>Card rating<\/span><\/em> is based on the opinion of TPG&#8217;s editors and is not influenced by the card issuer.<\/h6>\n<hr class=\"jsx-4213731811\"\/>\n<p>The IHG One Rewards Premier Credit Card offers many perks for travelers who frequently stay with IHG.<\/p>\n<p>One perk alone \u2014 the <span>anniversary free night<\/span> each year, valid for a night costing up to 40,000 points \u2014 can easily provide enough value for you to justify paying the IHG Premier&#8217;s annual fee each year.<\/p>\n<p>You&#8217;ll also get automatic <span>Platinum Elite status<\/span> as long as you&#8217;re a cardholder. And you&#8217;ll get another useful perk: a free fourth night when redeeming points for stays of four nights or more.<\/p>\n<p>We typically recommend that applicants have a <span>credit score<\/span> of at least 670 to increase their chances of being approved for this card.<\/p>\n<p>Now, let&#8217;s look at whether the IHG Premier is a good choice for you.<\/p>\n<h2 class=\"jsx-2362441780\">IHG One Rewards Premier pros and cons<\/h2>\n<div class=\"tw-my-8 tw-overflow-x-auto sm:tw-overflow-visible\">\n<table class=\"tw-w-full tw-min-w-[640px] sm:tw-min-w-0 tw-table-auto\" style=\"-webkit-overflow-scrolling:touch\">\n<thead>\n<tr>\n<th class=\"tw-bg-gray-6 tw-p-4 tw-text-md-medium tw-font-semibold tw-text-white tw-text-left first:tw-rounded-tl-lg last:tw-rounded-tr-lg tw-pl-3 sm:tw-sticky sm:tw-left-0 sm:tw-z-10\" scope=\"col\"><strong>Pros\u00a0<\/strong><\/th>\n<th class=\"tw-bg-gray-6 tw-p-4 tw-text-md-medium tw-font-semibold tw-text-white tw-text-left first:tw-rounded-tl-lg last:tw-rounded-tr-lg\" scope=\"col\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"tw-relative even:tw-bg-gray-1\">\n<td class=\"tw-text-md-regular tw-p-4 tw-pb-3 tw-align-top tw-h-auto sm:tw-sticky sm:tw-left-0 sm:tw-z-10 sm:tw-bg-white\">\n<div class=\"tw-break-words tw-flex tw-gap-2 tw-items-center tw-font-semibold\"><button class=\"tw-size-6 tw-flex-shrink-0 tw-opacity-0\" disabled=\"\" tabindex=\"0\" type=\"button\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#146AFF\" height=\"9\" viewbox=\"0 0 16 9\" width=\"16\" class=\"tw-rotate-180\"><default:path d=\"M8.01892 8.5C8.46004 8.50043 8.88002 8.34917 9.17154 8.08485L15.7119 2.14931C16.1418 1.74024 16.0841 1.13195 15.5819 0.779268C15.0797 0.426586 14.3166 0.458514 13.8633 0.851178L8.14425 6.04158C8.1126 6.07041 8.06693 6.08693 8.01892 6.08693C7.97091 6.08693 7.92524 6.07041 7.89359 6.04158L2.17451 0.851178C1.88736 0.57796 1.43739 0.450348 0.998707 0.517724C0.560026 0.5851 0.201466 0.836892 0.0617733 1.17567C-0.077919 1.51444 0.0231724 1.88705 0.325931 2.14931L6.86431 8.08272C7.15632 8.34768 7.57687 8.49966 8.01892 8.5Z\" fill=\"#146AFF\"\/><\/default:svg><\/button><span class=\"tw-break-words\"><\/p>\n<ul>\n<li>Reasonable annual fee<\/li>\n<li>Free night certificate each year<\/li>\n<li>Fourth night free on award stays<\/li>\n<li>Complimentary Platinum Elite status<\/li>\n<li>Global Entry, TSA PreCheck or Nexus statement credit<\/li>\n<\/ul>\n<p><\/span><\/div>\n<\/td>\n<td class=\"tw-text-md-regular tw-p-4 tw-pb-3 tw-align-top tw-h-auto\">\n<div class=\"tw-break-words\"><span class=\"tw-break-words\"><\/p>\n<ul>\n<li>Has an annual fee<\/li>\n<li>Poor value outside of IHG stays<\/li>\n<li>Weak transfer rates to airline partners<\/li>\n<\/ul>\n<p><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 class=\"jsx-2362441780\">IHG One Rewards Premier welcome offer<\/h2>\n<p>New <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\">IHG One Rewards Premier Credit Card<\/span> holders can earn up to 185,000 bonus points:<\/p>\n<ul>\n<li>Earn 150,000 bonus points after spending $3,000 on purchases in the first three months from account opening.<\/li>\n<li>Plus, earn an additional 35,000 bonus points after spending $6,000 on purchases in the first six months from account opening.<\/li>\n<\/ul>\n<div class=\"EmailSignUp_container__YVxAW tw-border tw-border-gray-2\"><picture class=\"tw-flex tw-items-center tw-justify-center tw-opacity-0\"><source media=\"(max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__xvcP4\">\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<form class=\"jsx-881693933 newsletter-form\">\n<div class=\"jsx-881693933 EmailCapture_confirmation__AJ4nI EmailCapture_noCheckbox__2BHzb   &#10;          \">\n<p class=\"tw-text-xs-regular !tw-text-gray-5 hover:!tw-text-gray-5 tw-max-w-lg\">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> Terms of Use <!-- -->and acknowledge the data practices in our<!-- --> Privacy Policy. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<p>TPG&#8217;s May 2026 <span>valuations<\/span> peg IHG points at 0.6 cents each, making this bonus worth up to $1,110.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"IHG Premier personal card art\" loading=\"lazy\" width=\"1600\" height=\"1066\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier_2023_CCHH.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>Note that you won&#8217;t be eligible for this card (or its bonus) if you currently have any IHG personal credit card or have earned a welcome bonus on another IHG personal credit card within the last 24 months.<\/p>\n<p>However, this rule doesn&#8217;t apply to <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\">IHG One \u202fRewards Premier Business Credit Card<\/span> (see <span>rates and fees<\/span>) holders who earned a bonus on that card. You also need to be under <span>Chase&#8217;s 5\/24 rule<\/span>.<\/p>\n<p><strong>Related: <span>Want to open a new Chase card? Here&#8217;s how to calculate your 5\/24 standing<\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">IHG One Rewards Premier benefits<\/h2>\n<p>The <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\">IHG One Rewards Premier Credit Card<\/span> carries a relatively modest $99 annual fee. However, the card&#8217;s actual value hinges on whether you&#8217;ll use the benefits frequently enough to <span>justify that annual fee<\/span>. Here&#8217;s an overview of the card&#8217;s main IHG-related perks.<\/p>\n<h3>Anniversary free night<\/h3>\n<p>Cardholders receive a reward night certificate valid for a one-night hotel stay at a property costing up to 40,000 points each year.<\/p>\n<p>Although IHG uses dynamic award pricing, finding an appealing redemption option for your certificate isn&#8217;t difficult. For example, I&#8217;ve redeemed anniversary free night certificates for stays at the InterContinental Buenos Aires in Argentina, the InterContinental Madrid and the Kimpton De Witt in Amsterdam.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"InterContinental Madrid\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/07\/20240724_Intercontinental-Madrid_MMoffitt_28.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">InterContinental Madrid. MATT MOFFITT\/THE POINTS GUY<\/figcaption><\/figure>\n<p>Note that you can use an unlimited number of points to top off this certificate and use it for higher-priced properties. For example, you can book a room priced at 55,000 points using the free night plus 15,000 points from your <span>IHG One Rewards<\/span> account.<\/p>\n<h3>Elite status<\/h3>\n<p>IHG One Rewards Platinum Elite members enjoy 60% bonus earnings on paid stays when <span>booking directly with IHG One Rewards<\/span>, as well as room upgrades based on availability at check-in, a welcome amenity and several other perks.<\/p>\n<p>There is also a pathway to Diamond Elite status through the end of the next calendar year if you spend $40,000 on the card in a calendar year.<\/p>\n<h3>Fourth night free<\/h3>\n<p>When you redeem points for a stay of four nights or longer, you&#8217;ll <span>pay zero points for every fourth night<\/span>. If you can find four nights of consecutive award space at a property you like, this can be a great way to stretch your points even further.<\/p>\n<p>Of course, the value of this perk depends on how frequently you redeem IHG points for stays of at least four nights.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"ihg hotel\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/11\/ihg-cyber-ibr-grand-paraiso.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">IHG HOTELS &amp; RESORTS<\/figcaption><\/figure>\n<h3>Other noteworthy perks<\/h3>\n<ul>\n<li><strong>10,000 bonus points after spending $20,000<\/strong>: You&#8217;ll earn 10,000 bonus points and a $100 statement credit after spending $20,000 in a calendar year. Based on TPG&#8217;s valuations, the bonus points are worth $60; combined with the statement credit, this bonus can be worth up to $160. However, consider whether you&#8217;ll realistically spend $20,000 on your card during the calendar year, especially if you can otherwise put those purchases on an <span>everyday spending card<\/span> with a better earning rate.<\/li>\n<li><strong>20% off when buying IHG points<\/strong>: You&#8217;ll save 20% on your <span>purchase of IHG points<\/span> when you pay with your IHG Premier card. However, this discount doesn&#8217;t stack with other discounts when IHG puts points on sale. Note that these points are considered nonqualifying, so they won&#8217;t count toward elite qualification. That means the value will be minimal for most cardholders.<\/li>\n<li><strong>Application fee credit for Global Entry, TSA PreCheck or Nexus<\/strong>: You can get reimbursed up to $120 every four years when you charge a <span>Global Entry<\/span>, <span>TSA PreCheck<\/span> or <span>Nexus<\/span> application fee to your card.<\/li>\n<li><strong>United TravelBank cash<\/strong>: You can get up to $50 in United TravelBank cash per calendar year after linking your IHG Premier with your <span>United MileagePlus<\/span> account.<\/li>\n<li><b>Travel and purchase protections<\/b>: You&#8217;ll get perks like <span>trip cancellation\/interruption insurance<\/span> and purchase protection.<\/li>\n<\/ul>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"hotel room with bed\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/12\/holiday-inn-express-roissy-en-france_IHG-copy.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">IHG<\/figcaption><\/figure>\n<p>These benefits could be a serious factor when <span>choosing a new credit card<\/span>.<\/p>\n<p>However, as discussed in the next section, you won&#8217;t get a high return rate on most purchases with the IHG Premier card.<\/p>\n<p><strong>Related: <span>Last-minute strategies for earning IHG One Rewards elite status<\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">Earning points on the IHG One Rewards Premier<\/h2>\n<p>Hotel credit cards usually aren&#8217;t great for earning points, but this card does well when you use it at IHG hotels. Here are the earning rates you can expect:<\/p>\n<ul>\n<li>10 points per dollar spent on IHG stays<\/li>\n<li>5 points per dollar spent on all other travel, on dining (including takeout and eligible delivery services) and at gas stations<\/li>\n<li>3 points per dollar spent on all other eligible purchases<\/li>\n<\/ul>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"a hotel pool and cabanas surrounded by palm trees\" loading=\"lazy\" width=\"3000\" height=\"2000\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2020\/02\/intercontinental-phu-quoc-vista-e1551058511392.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">KATIE GENTER\/THE POINTS GUY<\/figcaption><\/figure>\n<p>When you combine the 10 points per dollar spent by using your card with the points you&#8217;ll earn as an IHG Platinum Elite member, you&#8217;ll earn 26 points per dollar spent on most IHG stays.<\/p>\n<p>Based on TPG&#8217;s valuations, this equates to a return on spending of around 16% on IHG stays, 3% on travel and around 2% on all other purchases.<\/p>\n<p>These are decent returns for these bonus categories but are easily beaten by <span>many other cards<\/span>.<\/p>\n<p><strong>Related: <span>How to earn IHG points via stays, credit cards and more<\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">Redeeming points on the IHG One Rewards Premier<\/h2>\n<p>IHG One Rewards does not have an award chart; instead, it uses dynamic award pricing. IHG&#8217;s website states that nights start at 10,000 points, though we&#8217;ve seen nights priced as low as 5,000 points.<\/p>\n<p>And although there&#8217;s no stated maximum, the highest I&#8217;ve seen is 120,000 points per night (excluding <span>Six Senses<\/span> properties, which frequently cost more).<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Six Senses Laamu overwater bungalow\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211102_Six-Senses-Laamu-Maldives_KGenter-68-1.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">KATIE GENTER\/THE POINTS GUY<\/figcaption><\/figure>\n<p>But even with IHG&#8217;s dynamic award pricing, it&#8217;s still possible to maximize IHG One Rewards redemptions. And, with a little bit of searching, you can often <span>redeem IHG One Rewards points<\/span> for a greater value than TPG&#8217;s valuation of 0.6 cents per point.<\/p>\n<p>You can also mix points and cash for your award stays. In some cases, this may provide good value. When you book this way, IHG sells you the extra points and then debits your account for the full number of points.<\/p>\n<p>TPG newsletter and partnerships editor <span>Emily Thompson<\/span> takes advantage of this perk as often as possible to maximize her IHG One Rewards points.<\/p>\n<p>Finally, some travelers believe that IHG&#8217;s blackout dates policy makes it one of the weaker hotel programs for award night availability. The terms and conditions of the IHG One Rewards program note the following:<\/p>\n<p>&#8220;There are no blackout dates for Reward Nights, however, room inventory is limited and subject to prior sale.&#8221;<\/p>\n<p>So, while there are no blackout dates per se, hotels can limit the number of rooms they make available for award bookings.<\/p>\n<p><strong>Related: <span>How to maximize award redemptions with the IHG One Rewards program<\/span><\/strong><\/p>\n<h2 class=\"jsx-2362441780\">Transferring points on the IHG One Rewards Premier<\/h2>\n<p>IHG One Rewards has 40 airline transfer partners, but I don&#8217;t recommend using your points this way. Points transfer at a nearly 5:1 ratio, which is on the lower side. Plus, transfers from IHG have been known to take a long time.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"InterContinental Maldives Maamunagau\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/11\/20211105_InterContinental-Maldives-Maamunagau-room-bed-1_KGenter.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">KATIE GENTER\/THE POINTS GUY<\/figcaption><\/figure>\n<p>You can also transfer your points to other IHG One Rewards members, starting at $5 per 1,000-point block. However, these transfers are free for Diamond Elite and IHG Business Rewards program members for up to 500,000 points per calendar year.<\/p>\n<p>Just keep in mind that your account must be at least 30 days old to transfer or receive points.<\/p>\n<h2 class=\"jsx-2362441780\">Which cards compete with the IHG One Rewards Premier?<\/h2>\n<p>If you&#8217;re loyal to IHG, a card from another hotel brand might not merit your consideration. However, another card might better suit your needs.<\/p>\n<p>For additional options, check out our full lists of the best <span>hotel credit cards<\/span> and the best <span>cards for IHG stays<\/span>.<\/p>\n<h2 class=\"jsx-2362441780\">Is the IHG One Rewards Premier worth it?<\/h2>\n<p>If you&#8217;re an IHG loyalist, you&#8217;ll easily get enough from this card&#8217;s benefits to justify the $99 annual fee. The anniversary night alone should cover the annual fee. However, those who only occasionally stay at IHG properties will likely prefer a card with more versatile benefits.<\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>The IHG One Rewards Premier Credit Card is a clear winner for travelers who stay at IHG properties with any frequency.<\/p>\n<p>The annual free night certificate alone can easily outweigh the $99 annual fee; pairing that with automatic Platinum Elite status and the fourth-night-free benefit makes this card hard to beat for loyalists. Add in a solid welcome bonus and elevated earnings at IHG hotels, and frequent IHG guests will see strong long-term value.<\/p>\n<p>That said, if you rarely book IHG stays or want more flexible rewards, you&#8217;ll likely be better off with a <span>general travel rewards card<\/span>.<\/p>\n<hr class=\"jsx-4213731811\"\/>\n<p><strong>Apply here: <span data-article-product-link=\"\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\">IHG One Rewards Premier Credit Card<\/span><\/strong><\/p>\n<hr class=\"jsx-4213731811\"\/><\/div>\n<p><br \/>\n<br \/><a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>IHG One Rewards Premier Credit Card overview The IHG One Rewards Premier Credit Card (see rates and fees) offers several useful perks for frequent IHG guests. However, you may not get enough ongoing value from this card if IHG One Rewards isn&#8217;t your primary hotel loyalty program. Card rating*: \u2b50\u2b50\u2b50\u2b50 *Card rating is based on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6],"tags":[],"class_list":["post-91111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/diyhaven858.wasmer.app\/wp-content\/uploads\/2026\/02\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_Solo-traveler-checking-map_lechatnoir_9.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/91111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/comments?post=91111"}],"version-history":[{"count":0,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/91111\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media\/18546"}],"wp:attachment":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media?parent=91111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/categories?post=91111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/tags?post=91111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}