The IHG One Rewards Premier Credit Card (see rates and fees) offers several useful perks for frequent IHG guests. However, you may not get enough ongoing value from this card if IHG One Rewards isn't your primary hotel loyalty program. Card rating*: ⭐⭐⭐⭐

One perk alone — the anniversary free night each year, valid for a night costing up to 40,000 points — can easily provide enough value for you to justify paying the IHG Premier's annual fee each year.

You'll also get automatic Platinum Elite status as long as you're a cardholder. And you'll get a unique perk: a free fourth night when redeeming points for stays of four nights or more.

A great solo travel tip spotted this week on The Points Guy Articles.

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