The IHG One Rewards Premier Select Credit Card is built for frequent IHG guests who want elevated hotel perks, rich point multipliers, and substantial annual travel credits. While it carries a $350 annual fee, the included free night certificate and quarterly hotel credits easily outweigh the cost for regular brand loyalists.
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Overview
IHG hotel stays
Fourth-night free award stays
Frequent travel and dining
For regular guests at IHG properties, offsetting the $350 annual fee is straightforward. The annual free night certificate can cover a significant portion of the fee on its own, particularly since you can add points to redeem at higher-tier properties. When combined with the $100 annual food and beverage credit, $50 in United TravelBank cash, and the valuable fourth-night free benefit on award redemptions, frequent travelers can easily extract far more value than the card costs to hold.
However, if you do not stay with IHG at least a few times a year, the fee equation becomes harder to justify. Travelers who prefer non-brand-locked flexible rewards or who disengage from tracking quarterly hotel credits will likely find better long-term value in a general travel credit card.
This card delivers exceptional value for loyal IHG guests who will use the annual free night and hotel credits, though casual travelers may struggle to unlock enough value to justify the $350 fee.
Welcome Offer
150,000 Points
Spend $3,000 in first 3 months
+35,000 Points
Spend an additional $3,000 in first 6 months
Spend $6,000 total → 185,000 Points
Offer details
Limited Time Launch Offer! Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.
Earning
You earn IHG One Rewards points on all purchases, with massive multipliers on IHG hotel stays alongside strong bonus rates for dining, general travel, and daily spending.
IHG Hotels & Resorts Stays
Dining, Travel, Rideshare
All Other Purchases
Rewards percent based on a valuation of 0.59¢ per IHG point
Annual Credits & Perks
A combination of annual hotel credits, airline perks, and travel protections helps offset the card's $350 annual fee while elevating your stay experience.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Up to $50 United TravelBank Cash each yearBenefits
Extended Warranty Protection
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.
Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Travel and Emergency Assistance
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained).
Benefits
Platinum Elite Status
Earn IHG One Rewards Platinum Elite status after you spend $15,000 on purchases each calendar year.
Complimentary DashPass membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
Automatic Gold Elite status
As an IHG One Rewards Premier Credit Card cardmember, you enjoy automatic IHG One Rewards Gold Elite status as a benefit of your Card.
Spend into Diamond Elite status
Earn IHG One Rewards Diamond Elite status after you spend $40,000 on purchases each calendar year.
Benefits
Enjoy an Anniversary Free Night, every year
Each year, after your card anniversary, you'll receive an Anniversary Free Night good for a night at one of our eligible IHG® Hotels & Resorts worldwide. You have the ability to add on points from your IHG One Rewards account to redeem your Anniversary Free Night above your redemption cap.
Redeem 3 Nights, Get 4th Night Free
The fourth reward night is free when you redeem points for any stay of four or more nights.
Earn an additional 5 Elite Night Credits each year
Earn an additional 5 Elite Night Credits (ENCs) after you spend $15,000 on purchases each calendar year as a head start towards a Milestone Reward and your next status tier.
Earn 2 Elite Night Credits for every $5,000 spent on purchases
Earn 2 Elite Night Credits for every $5,000 spent on purchases with your Premier Card. Elite Night Credits count towards status and Milestone Rewards, helping you reach them faster.
Enjoy 15 Elite Night Credits
Receive 15 Elite Night Credits (ENC) at the start of each calendar year, providing a head start towards a Milestone Reward and your next status tier.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$350
Purchase APR
19.49% - 27.99%
Variable
Transfer APR
19.49% - 27.99%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$15
Late Payment
None
Questions
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MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Earn 200,000 bonus points
Worth $3,000
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
