IHG One Rewards Premier

Annual Fee: $99

Earn 140,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening

Our thoughts: We consider this card a keeper because of the annual free night certificate! Being able to get the 4th night free on bookings is also a nice perk. 

How to earn points:

Earn 5X points for every dollar spent on travel and hotels.

Earn 5X points for every dollar spent at gas stations.

 Earn 5X points for every dollar spent on social media, search engine advertising, and office supply stores.

 Earn 5X points for every dollar spent at restaurants, including takeout and eligible delivery.

3X All other purchases

Notable rebates and perks:

Automatic Platinum Elite Status

Redeem points for 3 nights, get 4th night free

Anniversary Free Night earned each account anniversary year with a current point redemption cap of 40,000 points. (You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.)