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A Hotel Card Worthy of Consideration

The IHG Rewards Club Premier Credit Card may be the best Hotel credit card offer we have seen this year.

The basics of the card are:

  1. A 80,000 point bonus after you spend $2000 in the first 3 months on the card.
  2. A free night every year at the anniversary of your card.
  3. An upgrade to IHG® Rewards Club Platinum Elite status for as long as you remain a Premier credit cardmember.
  4. Every 4th night at an IHG Hotel is free.
  5. $89 annual fee.

Those five factors make this card look like a pretty good deal but some of the underlying facts about IHG and this card make it look like the type of deal that most of our readers should really consider.

First, reward values IHG points at about .72 cents a point. That gives the 80,000 point bonus a $576 ( 80,000 X .0072) value. After you subtract the $89 annual fee for the first year that value is still $487. It’s hard to pass up that much in free hotel rooms in this economy.

I think the actual value of the bonus my be more,  I usually agree with reward stocks evaluations, but these points can be very powerful if used in conjunction with the IHG PointBreak program. In a recent article on our trip to see the eclipse I discussed the power of the IHG Rewards Club PointBreak Program. In a nut shell the PointBreak program offers IHG Reward Members deeply discounted reward nights at select IHG Hotels world wide. Rooms with this program can be as cheap as 5000 points! As long as you keep your IHG Rewards Club Premier Credit Card your points will not expire so over time you could get as many as 16 rooms with your 80,000 point bonus by just watching the available PointBreak deals. PointBreak is a good advantage if you can make it work but it’s not very flexible and it would take time and effort to take advantage of this travel tool. As a habit every time we are looking for rooms we take 10 seconds and click on the PointBreak site. In the last 2 years we have been able to scoop up 2 of these rare gems.

A much more flexible advantage of the IHG Rewards Club Premier Credit Card is the free night each year. This perk will easily cover the $89 annual fee for the card. The primary restriction set out in the fine print is that you have to get a room that would cost 40,000 IHG points or less. You could spend your free night at the Holiday Inn Paris – Notre Dame, a $250 value and enjoy a view from your room like the one on the right. The free night at each card anniversary easily justifies the $89 annual fee and makes this card a card to keep in your wallet for a long time.

If you stay at IHG Hotels anyway this card is a must. The cards automatic upgrade to Platinum Elite status is a great advantage. With Platinum Elite you will get great advantages we love the 50% bonus reward points and the free upgrades but to see the full list go to the Platinum Elite link. For IHG frequent flyers this card will also give you a free night after 4 stays. In essence thats a 25% discount which is hard to beat.

When you use this card at IHG Hotels you will get ten points per dollar on your spend. Using this card for any other daily spend would not make sense but for IHG purchases, use this card it makes a lot of sense.

In closing, this is great travel credit card deal. The strategy we think that will work for this card is to get the card for the bonus, keep the card for the anniversary free night each year and only pull it out of your wallet and make a purchase if your paying for a room at an IHG hotel. If you use this strategy you will maximize the benefit from this new Geezer Tool.

Happy travels and I hope this article takes you a little closer to your travel dreams.

Disclosure: The opinions expressed in this article are shared with our readers with the belief of the author that they are accurate but the author is unable to guarantee the offers expressed herein. supports the businesses mentioned above because they are businesses the author has found to be helpful in saving money while traveling. may get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. Opinions expressed here are the author’s alone, and have not been reviewed, approved or endorsed by our partners






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