10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The IHG Premier Credit Card can justify its place in any traveler’s wallet. After earning the excellent sign-up bonus, cardholders continue to be rewarded with IHG Platinum Elite status, an annual free night award, a reward night free on a reward stay of four or more consecutive nights, $50 per year in United TravelBank Cash, and a Global Entry/TSA PreCheck/NEXUS application fee credit.
Those perks easily justify the $99 annual fee, even if you use a more rewarding card for everyday spending.
Cardholders earn bonus points in a variety of categories, including 10X IHG points on eligible purchases at IHG hotel brands and 5X points on travel, at gas stations, and on dining. All other purchases earn 3X points.
MilesTalk values IHG Rewards points at 0.4 cents each. That means IHG Premier Card cardholders can expect an approximate return of around 4% on spending at IHG Hotels and 1.2% on other purchases.
For those unfamiliar with IHG Rewards, the IHG Rewards program includes hotel brands like InterContinental Hotels, Six Senses, Kimpton, and Hotel Indigo on the luxury end and Holiday Inn Express, Holiday Inn, and Staybridge Suites for more practical stays.
Thanks to the Platinum Elite status that comes as a benefit on the IHG Premier Card, cardholders will earn 60% bonus points on stays, get complimentary room upgrades, and receive welcome bonus points when staying at participating IHG hotels.
For travelers that generally stay at least four nights, the IHG Premier Card’s fourth-night free benefit can save you a bunch of points. All you need to do is book at least four consecutive nights at an IHG hotel using your IHG Rewards points. And IHG will automatically discount one night to zero points — giving you a free reward night.
You’ll get this perk whether you’re staying at a practical Holiday Inn or staying at ultra-luxurious InterContinental Hotels.
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back
Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back
Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back
Local transit and commuting (including rideshare)
LIMITED TIME OFFER: Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
As much as we love rewards credit cards with transferable bank points, for heavy Amazon or Whole Foods shoppers, it’s hard to deny that 5% cash back on all of these purchases with the Prime Visa (as long as you have an eligible Amazon Prime membership!) is pretty awesome.
I know some people that do absolutely all of their grocery shopping at Whole Foods and as much shopping as possible at Amazon. If this is you, the Prime Visa credit card is probably a no brainer, especially with no annual fee, no foreign transaction fees, and a wide range of consumer protections like extended warranty, purchase protection (which covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account) and trip protections, although note that the trip protections aren’t nearly as rich as on many travel specific credit cards.
As a reminder, you’ll earn an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership and an unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
You’ll earn ah unlimited 1% back on all other purchases, so you may want to combo this card with a card that earns 2% back on categories not bonused on this card.