IHG One Rewards Premier Credit Card Review 2025 | Worth It or Leave It?

Описание: Designed to solve the problem of maximizing hotel loyalty benefits without sacrificing value, the IHG One Rewards Premier card delivers unmatched earning potential for IHG stays, a free anniversary night worth up to 40,000 points, and valuable perks like a fourth night free on reward bookings. With 5x points at gas stations, restaurants, and travel, plus 3x on all other purchases, it rewards both frequent business travelers and vacationers. Automatic Platinum Elite status offers 60% more points on stays, potential room upgrades, and welcome amenities, while travel protections and a Global Entry/TSA PreCheck credit add extra practicality. For loyal IHG guests, the $99 annual fee can pay for itself easily, but for those seeking flexible rewards, limited redemption options and a lower point value may hold it back. One hidden benefit, though, could make this card far more valuable than it first appears…

Pros:
Up to 26x points at IHG Hotels & Resorts
Annual free night certificate worth up to 40,000 points
Platinum Elite status with 60% points bonus and upgrades
Fourth night free on reward stays
5x points at gas stations, restaurants, and travel
3x points on all other purchases
$120 Global Entry, TSA PreCheck, or NEXUS credit
No foreign transaction fees

Cons:
Points generally worth less than more flexible programs
$99 annual fee with no first-year waiver
Limited redemption flexibility outside IHG
High APR with no 0% intro offer
Requires good to excellent credit

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