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How my IHG Premier Card pays for itself each year

The IHG One Rewards Premier Credit Card (see rates and fees) presently has a limited-time welcome provide of 5 nights after spending $5,000 on purchases within the first three months from account opening. Every of the 5 nights is legitimate for a one-night lodge keep at a property with a redemption stage as much as 60,000 factors, so this welcome provide is a compelling purpose to get the cardboard now.

In response to TPG’s June 2025 valuations, this welcome provide is value as much as $1,500.

Even after you earn the welcome provide, the IHG Premier Card pays for itself every year.

It presents a variety of helpful advantages, reminiscent of automatic Platinum Elite status, each fourth night free while you redeem IHG points for stays of 4 nights or extra and as much as $50 in United® TravelBank Money every calendar yr.

However one profit rises above the remaining and successfully covers the cardboard’s annual charge every year: the account anniversary night time certificates. Let’s dive in.

IHG anniversary night time certificates

Yearly in your account anniversary with the IHG One Rewards Premier, you will obtain a certificates for a one-night keep at a property with a degree redemption worth of 40,000 factors or much less.

TPG’s June 2025 valuations peg the worth of 40,000 IHG factors at $200, greater than double the IHG One Rewards Premier’s $99 annual charge. So, you must simply get sufficient worth to cowl your card’s annual charge by redeeming your anniversary night time certificates every year.

Kimpton De Witt within the Netherlands. KIMPTON DEWITT, AMSTERDAM/IHG.COM

One in every of my favourite motels to make use of an IHG anniversary night certificate at is the Kimpton De Witt in Amsterdam. Throughout shoulder and off-season, you typically discover award nights bookable for round 40,000 factors. For instance, for a keep on Jan. 19, I may redeem 39,000 factors or pay $259 for a reservation that I can cancel without spending a dime till a day earlier than my keep.

IHG

After all, you possibly can use an IHG anniversary night time certificates in lots of different methods. No matter how you utilize it, you will possible get at the least $99 in worth. You can even add factors out of your account to make use of the anniversary night time certificates at costlier properties if you cannot discover something to your liking throughout the 40,000-point restrict.

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You should redeem your anniversary night time certificates and full your keep inside 12 months of when IHG points the certificates.

Associated: Why you should get (and keep) the IHG One Rewards Premier card

Backside line

I really like my IHG One Rewards Premier for its ongoing perks. However the anniversary night time alone makes it a profitable selection. Even for those who do not maximize your anniversary night time certificates, utilizing it for a single night time’s keep at an IHG property ought to simply offer you extra worth than the cardboard’s annual charge.

To study extra, see our full evaluate of the IHG One Rewards Premier.


Apply right here: IHG One Rewards Premier


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