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- When my husband and I had been planning our wedding ceremony, every of us opened the IHG® Rewards Club Premier Credit Card and earned the welcome bonus by utilizing it to pay for wedding ceremony bills.
- We used our IHG factors to e book an all-inclusive IHG resort in Jamaica for our honeymoon, together with factors from Southwest bank cards for our flights.
- In whole, we spent lower than $400 out-of-pocket for a week-long keep that included meals, drinks, and on-site actions.
- I preserve the IHG® Rewards Club Premier Credit Card as a result of it saves me cash with perks like an anniversary reward evening annually and the fourth reward evening free on stays of 4 or extra nights.
- Read Business Insider’s guide to the best rewards credit cards.
I like touring with my household however this typically means I am extra inclined to need to organize nicer lodging. Again after I was in school, it was completely nice for me to remain in an inexpensive hostel with a number of different pleasant strangers, however not anymore.
Resort stays are one of the crucial frequent hidden bills when reserving journey, however I typically use the factors I earn from the IHG® Rewards Club Premier Credit Card to maintain lodging prices low.
You’ll be able to use IHG points for stays at manufacturers like InterContinental Inns and Resorts, Crowne Plaza, Vacation Inn, Resort Indigo, Kimpton Inns, and extra. It’s also possible to redeem your factors for purchasing and present playing cards to retailers and eating places, however I discover essentially the most worth in decreasing the prices of resort and resort stays after I journey.
We’re centered right here on the rewards and perks that include every card. These playing cards will not be value it for those who’re paying curiosity or late charges. When utilizing a bank card, it is vital to pay your steadiness in full every month, make funds on time, and solely spend what you’ll be able to afford to pay.
Common APR
15.99% – 22.99% Variable
Credit score Rating
Good to Glorious
Featured Reward
140,000 bonus factors after spending $3,000 on purchases inside the first three months of account opening
- Earn 140,000 bonus factors after spending $3,000 on purchases inside the first three months of account opening
- Get pleasure from a Reward Night time after every account anniversary 12 months at eligible IHG lodges worldwide. Plus, take pleasure in a reward evening while you redeem factors for any keep of four or extra nights
- Earn as much as 25 factors whole per $1 spent while you keep at an IHG resort
- Earn 2 factors per $1 spent on purchases at gasoline stations, grocery shops, and eating places. Earn 1 level per $1 spent on all different purchases
- Platinum Elite standing so long as you stay a Premier card member
- World Entry or TSA Pre✓® Payment Credit score of as much as $100 each four years as reimbursement for the appliance price charged to your card
- IHG Rewards Membership Bonus factors are redeemable at lodges similar to InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Inns, Indigo® Inns & Vacation Inn®
Professionals
- Anniversary reward evening may be value greater than the annual price
Cons
- Might provide higher rewards on non-IHG purchases
How I used IHG factors to e book my honeymoon for below $400
The IHG® Rewards Club Premier Credit Card at present presents a beneficiant sign-up bonus of 140,000 bonus factors after spending $3,000 on purchases inside the first three months of account opening. That is sufficient to e book 14 award nights on the lowest-priced IHG lodges, or for a shorter keep at extra luxurious resorts.
When my husband and I had been planning our wedding ceremony, the IHG® Rewards Club Premier Credit Card had an enormous sign-up bonus, so we each utilized for it and bought authorised. Consequently, we doubled our bonus factors by utilizing our playing cards to pay for wedding ceremony bills to fulfill the minimum spending requirement.
As well as, we every signed up for a Southwest Rapid Rewards credit card and simply earned the welcome bonus. Between these playing cards, we had been in a position to make use of factors to e book a week-long honeymoon on the all-inclusive Holiday Inn Resort Montego Bay in Jamaica for lower than $400 (flights included).
Once you redeem IHG factors for a keep, you will not pay something for the room, however resort charges and taxes (if there are any) are your accountability. Or, you should use a mixture of money and factors to decrease your total prices and stretch your level steadiness.
The advantages of the Chase IHG card justify the annual price
The IHG® Rewards Club Premier Credit Card has an $89 annual price, nevertheless it’s nicely value it for my part. Together with the welcome bonus, you may earn:
The truth that you get a reward evening at any IHG resort that prices 40,000 factors or much less annually is an efficient option to justify the annual price. I additionally use the fourth reward evening free profit, so I often get not less than two free nights annually if I earn and redeem factors.
Saving on lodges and resorts after we journey
I’ve grown accustomed to utilizing IHG lodges and resorts after we journey as a result of it is easy to maximise my financial savings. On one finish, I save when reserving a keep if I exploit factors.
Proper now, I’ve over 260,000 IHG Rewards Membership factors and might e book a keep on the similar resort in Jamaica that we honeymooned at for 50,000 factors per evening (keep in mind, the fourth evening is free when you’ve the IHG® Rewards Club Premier Credit Card and e book along with your factors). IHG additionally permits you to use a mixture of factors and money so there are a number of totally different choices that will help you save.
Both approach, the costs aren’t unhealthy for an all-inclusive resort that covers your keep, on-site actions, and all food and drinks together with alcoholic drinks. Every week-long keep at a resort like this could simply price $1,400 or extra for those who paid money.
If I am touring with my household, we often choose to e book a Vacation Inn resort as a result of a lot of them enable youngsters to remain and eat at no cost. After we traveled to Orlando for a Disney World trip, we stayed in a Vacation Inn Resort and my son bought to eat at no cost on the on-site full-service restaurant. This stored us from consuming and overspending on the park.
Computerized IHG Platinum elite standing advantages
I like titles like “Platinum elite” as a result of they sound so fancy and unique. IHG® Rewards Club Premier Credit Card members mechanically obtain IHG Platinum standing, and except for the celebrated identify, I believe it is value it as a consequence of all of the added advantages you get.
As an IHG Platinum elite, you earn 50% extra factors per greenback at IHG properties, which suggests even for those who spend money and factors to e book a keep, you may even be incomes extra factors for future stays. It’s also possible to take pleasure in late checkout, precedence check-in, room upgrades when accessible, and a welcome amenity (decided by the resort or resort).
One of many largest advantages is that when you’ve IHG elite standing, your points don’t expire — so this can be a big reduction for individuals who do not need to be pressured to e book a keep before their points disappear.
Is the IHG Premier Rewards bank card value it?
The IHG® Rewards Club Premier Credit Card is probably not essentially the most premium credit card accessible, nevertheless it’s a robust contender and definitely a card that is value preserving round. The sign-up bonuses is superb and you should use your factors towards stays, present playing cards, and even convert them to airline miles.
The one potential downsides I can see are for those who do not like IHG resort manufacturers or award costs while you e book a keep. However, there are tons of home and interational choices to accommodate your journey wants — IHG has over 5,900 lodges and resorts worldwide to select from.
Plus, the anniversary reward evening and fourth reward evening free profit exceeds the worth of the annual price since most resort and resort stays are a lot larger than $89 per evening.
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Disclosure: This publish is delivered to you by the Private Finance Insider crew. We often spotlight monetary services that may enable you make smarter choices along with your cash. We don’t give funding recommendation or encourage you to undertake a sure funding technique. Should you take motion primarily based on certainly one of our suggestions, we get a small share of the income from our commerce companions. This doesn’t affect whether or not we function a monetary services or products. We function independently from our promoting gross sales crew.
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