IHG Rewards Club Select card: Review

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4 stars4/5

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IHG Rewards Club Select world mastercardWhen it comes to hotel rewards programs, you generally want one with a huge portfolio of properties, so you can earn points whether you’re spending the night in a big city or a small town. The IHG Rewards Club has that – and what makes it stand out from other hotel rewards programs is that it encompasses budget-friendly properties, including Holiday Inn, Candlewood Suites and Staybridge Suites.

So is the IHG Rewards Club Select Credit Card from Chase worth getting? Here’s a closer look at the card and its competition.

Earning rewards

With this card, you’ll earn:

  • 5 points per dollar on hotel stays at IHG properties
  • 2 points per dollar at gas stations, grocery stores and restaurants
  • 1 point per dollar on all other purchases

If you spend $1,000 on the card within three months of opening the account, you’ll also get a sign-up bonus of 60,000 bonus points.

Redemption value

Earning a bunch of points is not very meaningful if the cost of redemption is sky high. In some cases, your IHG Rewards Club points are worth quite a bit. In other cases, not so much. According to The Points Guy’s latest valuations, IHG points are worth about 0.7 cents each. Keep in mind that this card comes with a 10 percent rebate. You get 10 percent of the points you redeem credited back to your account. So, the redemption values below will actually be 10 percent higher.

  • Redeeming for PointBreaks: PointBreaks are super-discounted properties in limited locations that cost just 5,000 points per night. By “limited locations” we’re talking mostly outside major cities, but there are properties all around the world. Based on the average nightly rate at some of these hotels, your points, when redeemed for PointBreaks, can be worth upwards of cents per point.

    Note: IHG changes its PointBreaks portfolio several times a year. Expect the properties eligible for the PointBreaks rate to change.

  • Redeeming for a night at other hotels: Based on average nightly rates, your points will be likely be worth less than a cent when redeemed outside the PointBreaks list. For example, a night at the Holiday Inn in Round Rock, Texas, requires 15,000 points – that makes each point is worth 0.6 cents, based on the average nightly rate. A one-night stay at the Holiday Inn Beachcomber Resort in Waikiki will cost you 35,000 points – meaning your points will be worth half a cent, based on the average nightly rate.

Keep in mind, though, that for some properties, you have the option to redeem for a combination of points and cash. That same night at the Holiday Inn Beachcomber can be had for 25,000 points if you also pay $70.

Hotel stays aren’t the only thing you can redeem for with this card. You can also redeem gift cards, merchandise, points with frequent flier programs, flights (if booked through IHG’s Flights Anywhere service) and charitable donations. Just know that, because this is a hotel rewards card, you’re going to get the best redemption value when you redeem for a hotel stay. For example, it’ll cost you 10,000 points to get 2,000 Delta SkyMiles (a lousy deal) and 11,000 points for a $25 iTunes gift card (ditto).

Free nights

The IHG Rewards Club Select card gives you one free night annually (in a standard room) on your account renewal date. This alone is worth more than the annual fee once it kicks in after the first year. The free night doesn’t have any category restrictions, so theoretically, you could use it at any of its properties, pending availability of standard rooms. That’s a pretty nice perk.

Annual fee

The annual fee for the card is waived the first year. After that, it’s $49.

How it compares to the competition

Free night benefit: IHG’s annual free night benefit compares quite favorably, since many other hotel cards’ free night offerings come with property category restrictions. Even the Marriott Rewards Premier card, which generously gives you one free night upon account approval and another annually, won’t let you use them above category 5.

Annual fee

At $49, the annual fee on the IHG Rewards Club is lower than many popular hotel rewards cards, including:

  • Citi Hilton HHonors Reserve ($95)
  • Marriot Rewards Premier  ($85)
  • Starwood Preferred Guest ($95)

Comparing annual fees along, though, isn’t enough to determine a card’s value to you. For example, paying a higher fee for the Starwood Preferred Guest card from American Express (a CreditCardForum advertising partner), for example, gets you the ability to transfer your rewards into more than 30 frequent flier programs (often at a 1-for-1 exchange).

Point worth: How the worth of your points compares across hotel reward programs depends on the location, the type of hotel you want and the dates you’re traveling. If you’re planning a specific trip, price out the hotel and run the numbers (find out how to do the math here) to find out which hotel rewards card gets you the most bang for your buck.

Automatic elite status

The card gives you automatic Platinum Elite status, the second-highest IHG elite tier. This gets you complimentary upgrades (when available), a welcome gift at check-in (bonus points, complimentary drink at the bar or complimentary breakfast) and a rewards boost on base earnings for IHG stays. And, as of March 2017, Platinum Elite status also gets you 6 cents off per gallon at Shell.

The bottom line

If you’re a budget traveler, the IHG Rewards Club Select card is a smart choice, as its affordable hotels are common in the U.S. and throughout the world. It’s also a good fit for infrequent travelers, as it gives bonus points for non-discretional expenses, such as groceries and gas. Plus, the 60,000-point bonus the card is offering right now can get you a nice head start.

However, as with all hotel rewards cards, watch the redemption value. While the card offers a huge discount for certain limited (PointBreak) properties, your points can quickly become worth half as much (or less) if you stray from that list. With hotel reward cards, it all comes down to which hotel brands you find most appealing and which ones deliver the most free nights for your travel plans.

Updated March 2017

Why we gave it 4 out of 5 stars

Our rating is based on our standards for co-branded hotel rewards cards. This card performed strongly in rewards- and perks-related categories, but was docked for its comparatively low per-point value.

Bonus-earning opportunities: This card offers bonus categories outside the affiliate hotel (gas and groceries).
Free night: This card awards a free anniversary night certificate, good at any IHG property.
Unique perks: This card’s automatic Platinum Elite status gets you a welcome gift at check in and discounts at Shell gas stations.
Progress toward elite status: This card gives automatic Platinum Elite status.
Point worth: The points earned on this card have a per-point value of less than 1 cent.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Warning IF you split the cost of a reservation using points and cash then cancel even if you cancel the WAY IHG say’s you should (usually before 6:00 PM) you can get your points back but will be charged the dollar amount you requested to the card……..THAT IS THEIR POLICY

The Hyatt card gives you 2 free nights after qualifying spend, and 1 free night annually with no spend requirements. It’s limited up to category 4, but that’s still worth something, especially since the card also gives you platinum status and 20% off standard rates.

Furthermore, Club Carlson also offers up a whopping 85,000 points, and offers free nights if you stay consecutive nights of only 2 nights minimum. That’s a lot of free nights, and arguably even more economical than IHG.

I find that with most cards, the real value comes down to loyalty. Find a card for the hotels that you like to stay in, and understand that it’s not always about the points, but the other perks as well. Gold status with Hilton gets you free internet and breakfast every day as well as free upgrades and late checkout. You get similar with the Hyatt, and 20% elite rates on top of that. That makes the < $100 fee totally worth it as just one or two stays can not only make up the fees, but also boost your experience, which is hard to put a price on. And if you look at it that way, the points and free nights are just very nice extras to get even more value.

Why no comparison to Chase Hyatt or Chase Fairmont cards? 2 free nights at any of their properties, and similar accrual on spend.