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This is why you should avoid this IHG upgrade

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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.

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