Chase and IHG have a co-brand card portfolio — there’s the IHG® Rewards Membership Premier Credit score Card (evaluation), which is the premium co-brand card, after which there’s the extra primary card, which is the IHG® Rewards Membership Traveler Credit score Card (evaluation). These are nice merchandise, they usually’re about to get much more rewarding, as within the coming weeks we must always see some optimistic modifications to the playing cards.
The IHG Premier Card presents some incredible perks that ought to greater than justify the annual price for frequent vacationers, even if you happen to’re not an IHG loyalist. Nevertheless, there are some situations related to these perks, so on this publish I needed to dig a bit deeper into how they work.
IHG Premier Card perks & advantages
The IHG Premier Card presents some distinctive advantages, together with:
- An enormous welcome bonus of 125,000 IHG Rewards factors plus a free evening certificates after spending $3,000 on purchases throughout the first three months
- A free evening certificates in your account anniversary yearly, legitimate at any property that retails for as much as 40,000 IHG Rewards factors per evening; within the coming weeks you’ll even be capable of prime off your certificates with factors to e-book a dearer property
- A fourth evening free on award bookings; whenever you redeem factors for a consecutive 4 evening keep, you solely should redeem factors for the price of the primary three nights
- 20% off whenever you buy IHG Rewards factors
- IHG Rewards Platinum standing for so long as you will have the cardboard
- A TSA Pre-Verify or World Entry price credit score each 4 years
These are some superior perks, and I’ve obtained quite a lot of questions on how sure advantages on the IHG Premier Card work. On this publish, I needed to take a better have a look at a number of the particulars of those advantages.
How does the fourth evening free profit work?
The most effective perks of the IHG Premier Card is that it presents a fourth evening free on award redemptions. There was some confusion concerning how this profit works, and particularly at what level the price of the fourth evening is reimbursed.
With this profit, the price of the fourth evening is deducted on the time you make your award reserving. After you have the cardboard and go to IHG’s web site to make an award reserving for 4 nights, it is best to routinely see the value adjusted. While you first see the award value you’ll see a worth with a line by way of it, which is the unique worth, after which beneath that’s the discounted worth factoring within the fourth evening free.
To offer an instance, the InterContinental London Park Lane could value a mean of round 75,250 factors per evening (IHG has dynamic award pricing, so the speed can fluctuate every evening). But with a fourth evening free the value is lowered to 56,000 factors, with the overall value being 224,000 factors.
That is nice, because it means you solely want sufficient factors for the price of three nights to make the reserving. If this isn’t displaying appropriately for you, it’s most likely since you haven’t had the cardboard for lengthy sufficient. It may possibly take a couple of days for this profit to kick in.
You should utilize this profit an infinite variety of instances, and may even use it for back-to-back stays (in different phrases, you’ll be able to e-book eight consecutive nights at one lodge and get two nights free), or for a number of rooms at a lodge over the identical nights. It’s additionally legitimate at Six Senses properties, that are slowly being built-in into the IHG Rewards program.
You do want to remain 4 consecutive nights at one lodge whereas redeeming factors to make use of this, which means you’ll be able to’t keep two nights at one lodge and two nights at one other lodge, after which get a kind of nights free.
Moreover, all 4 nights should be booked as a single factors reservation. This implies you couldn’t e-book one evening with a free evening certificates after which three nights with factors, and get that third evening of the factors reservation free.
Are you able to stack the fourth evening free profit with the ten% rebate?
The IHG Premier Card presents a fourth evening free on awards, whereas the outdated IHG Choose Card presents a ten% rebate whenever you redeem factors (that profit is capped at a complete refund of 100,000 factors per yr). One frequent query has been whether or not these two advantages could be mixed, assuming you will have each playing cards. The reply is sure.
It is a fairly superior alternative to stack advantages. Let’s assume you’re staying at a lodge that prices 50,000 factors per evening for 4 nights.
A 4 evening keep would value you 150,000 factors (with the fourth evening free), and then you definately’d be reimbursed one other 15,000 factors, which means you’re paying simply 135,000 factors for these 4 nights. That’s a mean of 33,750 factors per evening, or a reduction of 32.5%.
The phrases state that the ten% rebate will publish inside eight weeks of a keep, although in my expertise it often posts inside a couple of weeks.
Are you able to earn two anniversary free evening certificates?
The way in which I see it, the only greatest perk of the IHG Premier Card is that it presents a free evening certificates on the account anniversary yearly. The IHG Choose Card (not open to new candidates) additionally presents the identical profit.
Are you able to truly get two anniversary free evening certificates yearly? The reply is sure, assuming you will have each playing cards. That’s a fairly cool perk, because it makes this handy not only for one evening stays, but in addition for longer stays. If you happen to and your partner or buddy every have each playing cards, that’s probably 4 free evening certificates per yr.
Can the IHG 20% factors low cost be stacked with a sale?
The IHG Premier Card presents a 20% low cost whenever you buy factors. Sadly, this isn’t legitimate when IHG is providing a reduction on bought factors, which is once I would typically contemplate shopping for factors.
There’s no cause to purchase IHG factors for 20% off when IHG in any other case typically presents 75-100% bonuses on bought factors. When the low cost is offered, you’ll see that it’s routinely utilized on the time you buy factors. It is a profit that’s nearly by no means price it, for my part.
How does the TSA Pre-Verify or World Entry credit score work?
The IHG Premier Card presents a TSA Pre-Verify or World Entry price credit score as soon as each 4 years. You may select both one (usually World Entry is a greater choice, because it routinely comes with TSA Pre-Verify), after which the assertion credit score will routinely publish inside 24 hours of the eligible buy showing in your account.
Observe that each one that issues is that the price is charged to your card, so if you have already got a World Entry or TSA Pre-Verify membership, you should use this for a buddy or member of the family.
When does IHG Platinum standing publish to your account?
Only for having the IHG Premier Card, you get IHG Rewards Platinum standing. This can publish to your account routinely, and that’s decided primarily based on having the right IHG Rewards quantity linked to your account.
Whereas the phrases state that the standing will publish inside six to eight weeks, in observe, it often posts a lot sooner than that.
The IHG Premier Card is an all-around worthwhile card. Between the Platinum standing, fourth evening free on awards, and an annual free evening, I’d say this card is effectively price getting if you happen to’re eligible, even if you happen to’re not in any other case an IHG loyalist. That’s very true with the present bonus, which is superb.