IHG One Reward Prime Minister Credit Card Review: Complete Details

IHG Reward Prime Minister’s Credit Card Overview

this IHG Reward Prime Minister Credit Card (See Rates and Fees) Some useful benefits are provided for frequent IHG guests. However, if IHG a reward is not your primary hotel loyalty program, you may not get enough sustained value from this card. Card rating*: ⭐⭐⭐

*Card rating It is based on the opinions of TPG editors and is not affected by the issuer.

this IHG Reward Prime Minister Credit Card There are many benefits for travelers who often stay in IHG.

Only one benefit – an annual anniversary free night, valid for a night up to 40,000 o’clock – can easily provide you with enough value to prove that IHG Premier pays annually.

As long as you are a cardholder, you will also receive automatic Platinum Elite status. And you will get a unique benefit: a free fourth night, when staying for four nights or more.

We generally recommend that applicants have a credit score of at least 670 to increase their chances of approval for this card.

Now, let’s see if the IHG Premier card is a good choice for you.

ihg a reward for the prime minister’s strengths and weaknesses

ihg A reward prime minister welcome offer

New IHG A Prime Minister’s Card Cardholders spent $3,000 in the first three months of opening and earned 165,000 bonus points.

TPG’s September 2025 valuation of PEG IHG points is 0.5 cents, making the bonus worth $825.

This limited-time quote is better than the standard 140,000-point bonus, but far from the best quote we’ve seen on the card, which offers five free nights (60,000 points each).

Please note that if you currently own any IHG personal credit card, or have received a welcome bonus for another IHG personal credit card within the last 24 months, you will be eligible for this card (or its bonus).

However, this rule does not apply to holding ihg reward prime minister business credit card (See rates and fees) or bonuses earned on this card. You also need to follow Chase’s 5/24 rules.

Related: Want to open a new chase card? This is how to calculate the 5/24 stand

ihg one reward total advantage

this IHG A Prime Minister’s Card Carry a relatively small $99 annual fee. However, the actual value of the card depends on whether you use these benefits frequently to justify the annual fee. This is an overview of the card’s main IHG-related privileges.

Free Anniversary Night

The reward night certificate obtained by cardholders is valid for one night hotels, and properties cost up to 40,000 o’clock each year.

Although IHG uses dynamic reward pricing, finding an attractive redemption option for your certificate is not difficult. For example, I have redeemed the anniversary free night certificate to stay in InterContinental Buenos Aires, InterContinental Madrid and Kimpton de Witt.

Note that you can use an unlimited number of points to close this certificate and use it for higher-priced attributes. For example, you can book a room of 55,000 with a free night and IHG reward account with 15,000 points.

Elite identity

IHG Rewards Platinum Elite members enjoy 60% of paid bonus revenue when upgrading orders with IHG Rewards, based on availability at check-in, welcome amenities and some other allowances.

After the next calendar year that spends $40,000 in one calendar year ends, there is a path to the diamond elite state before the next calendar year ends.

The fourth night is free

When you redeem four nights or more, you will pay zero points every fourth night. If you can find reward space for four consecutive nights in your favorite property, this may be a great way to extend your points further.

Of course, the value of this privilege depends on how often you redeem your IHG spot for at least four nights.

Other notable privileges

• 10,000 bonus points after spending $20,000: After spending $20,000 in a calendar year, you will earn 10,000 bonus points and a statement credit of $100. According to TPG’s September 2025 valuation, the bonus points are worth $50; plus the declared credit, this bonus is worth up to $150. However, consider whether you actually spend $20,000 on your card during the calendar year, especially if you can put these purchases of higher-income daily expense cards on your day-to-day expense cards.
• Get 20% off when purchasing IHG points: You can save 20% on IHG points when you pay with your IHG Premier card. However, when IHG proposes points, this discount will not be the same as other discounts. Note that these points are considered unqualified and therefore they do not count to elite qualifications, meaning that the value will be minimal for most cardholders.

• Application fees for global entry, TSA Precheck or Nexus: When you charge your card for global entries, TSA Precheck or Nexus application fees, you can get reimbursement of up to $120 every four years.
• United Travel Bank Cash: Once you link your IHG Premier to your MiLeagePlus account, you can earn up to $50 in United Travelbank cash per year.
• Travel and purchase protection: You will get privileges such as cancel/interrupt insurance and purchase protection.

These benefits can be a serious factor when choosing a new credit card. However, as described in the following section, using IHG Premier cards won’t get high returns on most purchases.

Related: Earn IHG’s Last Minute Strategy A Reward Elite Identity

Win points on IHG

Hotel credit cards are usually not very suitable for earning points, but when you use them at an IHG hotel, the card is great. Here is the income rate you can expect:

• Spend 10 points per dollar on IHG stay
• 5 cents per dollar for all other trips
• Catering per dollar (including takeout and eligible delivery) and gas stations at 5 o’clock
• All other eligible purchases for every dollar

When you combine the card with the points you earn as an IHG Platinum Elite member, you will earn 26 points on most IHG durations. According to TPG’s September 2025 valuation, this is equivalent to 13% of the IHG stay, 2.5% of travel, and 1.5% of all other purchases.

These are good returns for these bonus categories, but are easily beaten by many other cards.

Related: How to earn IHG points through stays, credit cards, etc.

Redemption point on IHG rewards Prime Minister

IHG a reward has no reward list; instead, it uses dynamic reward pricing. The IHG website notes that nights start at 10,000 points, although we see prices as low as 5,000 points at night.

Although there is no biggest note, the highest point I see is 120,000 a night (excluding six senses, which usually costs more).

However, even with IHG’s dynamic reward pricing, it is still possible to maximize the reward redemption of IHG. And, after a little search, you can usually redeem a bonus point for 0.5 cents per point.

You can also use points and cash for rewards. In some cases, this may provide good value. When you book this way, IHG sells you bonus points and then debits your account with all points.

TPG Newsletter and Partnership Editor Emily Thompson uses as much of this allowance as possible to maximize her IHG reward points.

Finally, some travelers believe that IHG’s policy on power outage dates makes it one of the weaker hotel programs that reward nighttime availability. Please note the following for the terms and conditions of an IHG reward program:

There is no power outage date for bonus night, however, the room list is limited and will be sold previously.

So, while there is no blackout date itself, hotels can limit the number of rooms they can use for reward bookings.

Related: How to maximize reward redemption through an IHG reward program

Transfer points on IHG

IHG has more than 35 airline transfer partners, but I do not recommend using your point of view this way. The point is transferred at a nearly 5:1 ratio, which is located on the lower side. Additionally, it is well known that transfer from IHG takes a long time.

You can also transfer points to another IHG a bonus member starting at $5 per 1,000 points. However, these transfers are free, Diamond and IHG Business Rewards Program members, up to 500,000 points per calendar year.

Which card competes with the IHG reward prime minister?

If you are loyal to IHG, another hotel brand’s card may not be worthy of your consideration. However, another card can better meet your needs.

For other options, check out our full list of our best hotel credit cards and the best cards for IHG accommodation.

Is it worth it to reward the Prime Minister?

If you are a big IHG fan, you will easily get enough of the benefits of this card to justify the $99 annual fee. Anniversary nights alone should be paid for annual fees. However, those who only stay at IHG Properties occasionally may prefer a card with most-purpose benefits.

Bottom line

An IHG rewards Prime Minister credit card is a clear winner for travelers who stay at IHG Properties at any frequency.

Free night certificates per year alone can easily exceed $99 annual fee and pair it with automatic Platinum Elite Status and fourth night free benefits, making this card hard to beat for loyalists. Get reliable welcome bonuses and increased income at IHG hotels, and frequent IHG guests will see huge long-term value.

That said, if you rarely book an IHG stop or want a more flexible reward, it might be better to use a general travel reward card.

Apply here: IHG Reward Prime Minister Credit Card