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I recently received an email AND letter in the mail with an offer from IHG to upgrade to the IHG Rewards Club Premier Card to earn 10,000 bonus points after making one purchase.  I’m a big fan of getting easy points where I can, but does this offer make sense?

The Card I’d be Giving Up

Chase is trying to lure me into closing the IHG Rewards Club Select Credit Card which I have held since 2015.  With only a $49 annual fee and an anniversary free night at an IHG property, it has been one of the cards that I believe makes sense to hold long term.  We have typically been able to get a free night that would cost $250 or more at the cash prices.

a credit card on a wood surface

Last year, my wife and I were able to stay at the Intercontinental in Paris for a weekend using each of our free nights.  Sadly, that amazing value came to an end when IHG capped the free night at hotels that cost 40,000 points or less.  Even with this change, I think the benefits including the anniversary night and 10% rebate on points redemptions helps to justify the $49 annual fee.

The Offer

Here is the letter that was sent inviting me to upgrade to the IHG Reward Club Premier Card.  Is this a worthwhile move?  Thankfully IHG included a handy chart to help weigh out the added benefits of an upgrade.

a paper with a card and a check mark

What new benefits do I get for this annual fee increase?

  • 10k bonus points- This is available after an upgrade and one purchase.  It’s always nice to get free points but as I’ll discuss below there is a way to get 80k points with this card as long as you are under 5/24.
  • 10x points over 5x points on IHG purchases-  If you stay at IHG properties frequently this may make a difference but for me IHG points aren’t overly valuable.
  • 4th Reward Night Free- This is a great benefit if you are flush with IHG points.  If you are not it may be tough to take advantage.  This is where the 80k points I had discussed above may come in handy.
  • TSA PreCheck or Global Entry Credit- Everyone should have TSA PreCheck and/or Global Entry.  If you have children it’s even more valuable.  With that being said the odds are that most travelers have another card that offers this credit as well.  I have a few cards that offer this credit so for me this benefit would have no additional value.  For travelers who need a card to cover TSA PreCheck or Global Entry this does offer a value.
  • 20% Discount on Points Purchases- Buying points almost never makes sense.  Receiving a 20% discount on IHG points purchases will move the needle for just about no one.

What are the downsides of upgrading?

  • Annual fee would increase from $49 to $89
  • Lose the 10% points booking rebate that the Select card gives on every redemption


After reviewing the offer to “upgrade” (and close out the IHG Rewards Club Select Credit Card), I doubt most people should do this with one exception.  If you are a frequent traveler who prefers IHG properties and are over 5/24.  With that being said I could also make an argument to add the IHG Rewards Club Premier Card to your wallet while ALSO keeping the IHG Rewards Club Select Credit Card.

The current offer for the Premier card is for 80k bonus points after $2,000 in spend in the first three months. You can compare that card to the IHG Rewards Club Traveler card here (click through to Apply Now to the Traveler card and it will compare the two)

By keeping the Select Card you will receive a rebate of 8k points when you spend the 80k points earned from the Premier.  By keeping both cards, you will also have 2 anniversary nights that you can book for a cost of $138 yearly.  While the value at $89 for a free night is not as attractive with the Premier, it will not be difficult for most people to find a hotel that has a higher price point than that.  Overall, while the IHG Rewards Club Premier Card has some decent benefits, I don’t believe it is worth upgrading from the IHG Rewards Club Select Credit Card if you are lucky enough to still have this card.

Have you received this offer?  Did you upgrade?  Is it worth it?  Or do you plan to hold both cards…or neither?  Let us know in the comments below!

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