The IHG® Rewards Club Premier Credit Card has a generous welcome offer: Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening
One strategy for earning it: Charge most of your regular, daily expenses that you can pay off each month on this card. Here’s how to do it.
Charge your grocery and restaurant purchases on the IHG® Rewards Club Premier Credit Card, just make sure to pay off your balance every month — this category earns 2X points, along with gas stations. All other non-IHG purchases earn 1 point per $1.
For example, if you spend an average of $10 per day for lunch five days a week within the first 12 months of card ownership, that’s roughly $400 a month, netting you an additional 1,600 points every month.
» Learn more: IHG hotel card review: Free nights on a silver platter
You can earn even more through IHG Rewards Club Dine & Earn. Depending on your membership level, you can earn up to 8 bonus points on top of points you would receive with the card — which means you could receive up to 10 points per $1 spent at over 10,000 restaurants nationwide.
If you commute to and from work every weekday and do lots of errands on the weekends, filling up your gas tank could easily add up. Use the IHG® Rewards Club Premier Credit Card at gas stations to receive 2 points per $1 spent. If you spend $50 each time you fill up, that’s 100 points in addition to chipping away at that minimum spend.
» Learn more: Find the best hotel credit card for you
Staying a night
If you’re planning a trip in the first three months as a cardholder, search for IHG hotels and packages first. Book through the IHG site and lock in a room at your price point: Stays at any IHG brand — from Holiday Inn to Crowne Plaza and InterContinental resorts — earn points and count toward your minimum spend. Plus, you earn 25 total points per $1 spent on qualifying stays when you book with your IHG® Rewards Club Premier Credit Card. (That includes both points earned from the card and from the hotel stay itself.)
» Learn more: IHG Rewards: More value for the frugal traveler
Paying the bills
Reach your minimum spend by paying off everyday purchases such as utility bills, clothing and your Netflix subscription. Picking up the bill at dinner or drinks with friends and having them pay you in cash or via Venmo is another strategy.
With a solid plan, hitting this spending requirement in three months is doable and could even earn you more points along the way.
How to maximize your rewardsYou want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2020, including those best for:
- Airline miles and a large bonus: The Chase Sapphire Preferred® Card
- No annual fee: The Wells Fargo Propel American Express® card
- Flat-rate rewards with no annual fee: The Bank of America® Travel Rewards Visa® credit card
- Premium travel rewards: The Chase Sapphire Reserve®
- Luxury perks: The Platinum Card® from American Express
- Business travelers: The Ink Business Preferred℠ Credit Card
Planning a trip? Check out these articles for more inspiration and advice:
IHG Rewards: More for the frugal traveler
NerdWallet’s top travel credit cards
4 tips to help you choose the right credit card