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  1. Credit Cards
  2. IHG One Rewards Premier Credit Card
Chase

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card is built for travelers who stay with Holiday Inn, Kimpton, InterContinental, and other IHG brands often enough to use the hotel perks every year. It works best as an IHG loyalty card first, with a strong hotel-specific payoff and decent everyday earning outside the brand.

Welcome Offer
Earn up to 185,000 Points
Annual Fee
$99
Rec. Credit Score
Good
Good For
IHG regulars
Learn More
IHG One Rewards Premier Credit Card

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.

Terms Apply. For rates and fees of IHG One Rewards Premier Credit Card, please visit the Chase website.

Is the IHG One Rewards Premier Credit Card worth it?

This card is great for...

IHG hotel stays

Annual free night use

Four-night award trips

Yes, for travelers who expect to stay with IHG at least once or twice a year and will actually use the anniversary free night. That benefit alone can go a long way toward covering the $99 annual fee, and the automatic Platinum Elite status, fourth-night-free award perk, and Global Entry or TSA PreCheck credit add real value for people who prefer IHG properties.

It is a weaker fit if you are not loyal to IHG or usually choose whichever hotel is cheapest or most convenient. The card's non-IHG earning rates are fine, but they are not the main reason to carry it. This card makes the most sense as a keeper card for IHG travelers, not as the one travel card most people should use for everything.

MaxRewards

MaxRewards Verdict

This is a strong hotel card for anyone who regularly books IHG stays and can use the annual free night without much effort. If IHG is not part of your normal travel pattern, the long-term value drops quickly.

Welcome Offer

Earn up to 185,000 Points

  1. 1

    150,000 Points

    Spend $3,000 in first 3 months

  2. 2

    +35,000 Points

    Spend an additional $3,000 in first 6 months

  3. Spend $6,000 total → 185,000 Points

Offer details

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

What's your average monthly spend?

$1,000

150,000 Points

Spend $3,000 in first 3 months

On pace — you'll earn this

35,000 Points

Spend an additional $3,000 in first 6 months

On pace — you'll earn this

Rewards

Rewards percent based on a valuation of 0.5¢ per IHG point

IHG points are most valuable when you use this card around IHG stays and longer award bookings. Outside the hotel category, the card earns respectably, but the real story is how the rewards pair with IHG-specific perks rather than pure everyday spending power.

CategoryEst. yearly spendRateRewards

Stays (IHG Hotels & Resorts)

Est. yearly spend
Rate13%
Rewards$0

Travel, Gas Stations, Restaurants

Est. yearly spend
Rate2.5%
Rewards$0

All Other Purchases

Est. yearly spend
Rate1.5%
Rewards$0

Est. Annual Rewards

$0

Benefits

$0 / $220
|

The practical value here comes from a few repeatable travel benefits, especially the anniversary free night and IHG elite status. If you will use those consistently, the annual fee is easy to justify.

Enrollment is required for select benefits

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
IHG One Rewards Premier Credit CardUp to $50 United TravelBank Cash each year
Autotracked
$0 of $50Every 12 months

Insurance

Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.


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.


Travel Accident Insurance

When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.


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.

Status & Access

Earn your way into Diamond Elite Status

Each calendar year you make purchases totaling $40,000 or more, you, as the primary cardmember, will qualify for Diamond Elite Status through December 31st of the following year.


Platinum Elite Status 

As an IHG One Rewards Premier Credit Cardmember, you’ve automatically earned IHG One Rewards Platinum Elite status with additional benefits.


Complimentary DashPass Membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Other

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 can now add points from your IHG One Rewards account to redeem your Anniversary Free Night at hotels above the 40,000-point redemption level.


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. .

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

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.

Rates & Fees

Annual Fee

$99

Purchase APR

19.24% - 27.74%

Variable

Transfer APR

19.24% - 27.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

For rates and fees of IHG One Rewards Premier Credit Card, please visit the Chase website.

Frequently Asked Questions

Earn up to 185,000 Points after $6,000 in total qualifying spend.

We value the full offer at about $925, based on MaxRewards' IHG valuations.

Earning the full offer takes $6,000 in total spend across its tiers; the most demanding tier works out to about $1,000 per month on average.

Table of Contents

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

Learn More

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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