Chase IHG Rewards Club Premier Credit Card Review. $1200+value.

IHG Rewards Club Premier credit card
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In April 2018, Chase announced the debut of 2 new IHG co-branded credit cards. For many of us familiar with IHG, the Chase IHG Select Credit Card was a great go-to with a low $49 annual fee. For that $49, you earned an uncapped free night anywhere. However, it was announced that the card would be discontinued with the new products. Many were loathing discontinuing the great bargain, but I think the new Chase IHG Rewards Club Premier credit card is even better!

IHG Rewards Club Premier Credit Card Review

For a limited time, the Chase IHG Rewards Club Premier credit card is offering 100,000 IHG points with a $3,000 minimum spend in 3 months. Along with that, another 5,000 points is given after an authorized user’s first purchase. I usually just buy a $1 gift card to Amazon.

With that $3,000 in spend on your IHG Rewards Club Premier credit card, you are looking at a minimum of 108,000 IHG Points right out of the gate. These points are worth about $650!

With 108,000 Points, you are guaranteed at least 1 free night at IHG’s nicest properties, including the InterContinental Bora Bora Resort & Thalasso Spa.

ihg premier
The Intercontinental Bora Bora – Courtesy

At an $89 annual fee, the points alone are extremely worth it. To add, this card does NOT fall under Chase’s dreaded 5/24 rule.

Chase IHG Rewards Club Premier Card bonus categories

The points breakdown is the following:

  • 10 points per dollar spent at IHG hotels.
  • 2 points per dollar spent at gas stations, grocery stores, and restaurants.
  • 1 points per dollar on everything else.

Chase IHG Rewards Club Premier Card benefits

Along with the sweet point bonus, here are the great perks that come with the IHG Premier Card.

After all the points and benefits, I estimate the value of the Chase IHG Rewards Club Premier Visa to be at least $1,200.

The Bald Thoughts

In my opinion, this card is great for any type of traveler! Whether you love budget travel at the Holiday Inn type or to experience luxury at the Intercontinental Atheneum (or at Kimpton properties that Lee loves), this card is incredibly valuable!

IHG Rewards Club Premier credit card
I love this card!



  1. Agreed this is an incredible card. The 4th night free on awards is a huge benefit. Used that along with my annual free night from Club card for 5 nights at Kimpton Seafire, which was amazing.

    Cost us 210k points for 5 nights. Got 10% (21k) back after the stay, so effectively cost us 189k for 5 nights, which is insane for a property that was $850/night when we were there. Also got an upgrade to one bedroom ocean view suite with a 48’ long balcony (it was sick!), presumably due to Spire Ambassador status.

    When on sale, can buy that number of points for a shade over $1k with all the bonuses and rebates w this card.

    Huge fan of IHG bc of Kimptons and high tier IC properties. Did 5 nights on points at IC Thalasso two years ago when it was easier to find points availability (really hard these days).

  2. You can regularly buy IHG points for 0.5 cents each so the 108,000 bonus is worth at most $540 not $650. Even then it doesn’t include the significant effort and huge opportunity cost of putting $3,000 on this card.

    • Buying cost and value are two different things in my book. They may regularly be purchasable for .5 cents, but I value them at .6. And many times, purchasing points is a horrible redemption. Points should only be purchased if you are short a few thousand.

      But yes, I do agree that there is a “cost” to putting $3,000 on this card vs. another card like the Amex Plat or CSP.

      • If something’s value is 20% higher than the cost you should be able to leverage that and retire!

        Keep in mind that all of those hotels which are ‘valued’ at $500+ per night usually cost the hotel $20 or so to turn over that same room 🙂


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