Cardholder benefits offered by the IHG Rewards Premier Credit Card include:
- One reward night hotel stay each year
- Trip cancellation and interruption insurance
- Baggage delay insurance
- Lost luggage reimbursement
- Purchase protection against damage or theft
- Upgrade to IHG Rewards Club Platinum Elite status with room upgrades and other perks
Because an IHG Rewards Premier Credit Card holder earns up to 26 points total per $1 spent when you stay at an IHG hotel, cardholders should use the card when staying at participating IHG hotels around the world. Cardholders also earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases. The sign-up bonus is the best way to maximize rewards. You’ll earn 140,000 Bonus Points after spending $3,000 on purchases within the first three months of account opening.
Comparison to Other Cards
Annual fee: The IHG Rewards Premier Credit Card has an annual fee of $99. The Chase Sapphire Preferred Card has a $95 annual fee.
Rewards: Cardholders earn up to 26 points total per $1 spent when you stay at an IHG hotel with the IHG Rewards Premier Credit Card. The card also offers 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases. The Chase Sapphire Preferred Card offers five points on travel purchased through Chase Ultimate Rewards®, three points on dining, two points on all other travel purchases, plus more.
Sign-up bonus: The IHG Rewards Premier Credit Card earns 140,000 Bonus Points after spending $3,000 on purchases within the first three months of account opening. The Chase Sapphire Preferred Card earns 60,000 bonus points when you spend after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Benefits: IHG Rewards Premier Credit Card holders receive one reward night at a participating IHG hotel each year, an upgrade to Platinum Elite status with perks including room upgrades, and travel and purchase coverage. The Chase Sapphire Preferred Card offers travel and purchase coverage, concierge access and the option to transfer your points to leading frequent travel programs at one to one value.