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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 frequent guests at IHG properties who want automatic elite status and easy annual free nights. It serves primarily as a dedicated co-branded travel card that delivers strong recurring value for brand loyalists while keeping its annual fee modest.

Welcome Offer
Earn up to 185,000 Points
Annual Fee
$99
Rec. Credit Score
Good
Good For
IHG hotel loyalists
Learn MoreEstimate your value
IHG One Rewards Premier Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

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

Overview

Is the IHG One Rewards Premier Credit Card worth it?

This card is great for...

Annual hotel award nights

Four-night point redemptions

Automatic hotel elite status

The $99 annual fee is exceptionally easy to offset for anyone who stays at IHG properties even once or twice a year. The anniversary free night certificate alone, valid for stays up to 40,000 points with the option to top off with extra points, can easily save you more than the cost of the fee. Combined with automatic Platinum Elite status and the Fourth Night Free perk on point redemptions, the card provides clear, recurring value without requiring heavy spend.

For general everyday spending, however, the earning rates are modest given that IHG points are valued below a cent each. Travelers who prefer flexible rewards that transfer across multiple airlines and hotels might get more utility from a general travel card, but for IHG regulars, holding this card is a straightforward decision.

MaxRewards

MaxRewards Verdict

This card is an ideal match for IHG regulars thanks to its valuable free night certificate and fourth-night award perk, though its points offer limited flexibility outside the brand.

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

Earning

Rewards

You will earn IHG One Rewards points on every purchase, with the heaviest rewards reserved for IHG hotel stays, followed by elevated multipliers on gas, dining, and travel.

CategoryRate

Stays (IHG Hotels & Resorts)

15.3%

Travel, Gas Stations, Restaurants

3.0%

All Other Purchases

1.8%

Rewards percent based on a valuation of 0.59¢ per IHG point

Annual Credits & Perks

Benefits

Beyond points, the card offers high-value hotel perks, statement credits, and travel protections that easily outweigh its $99 annual fee.

BenefitAnnual value
$100
$50
$30

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

Benefits

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.

Benefits

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.

Benefits

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. .

Eligibility

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.

Pricing

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.

Questions

Frequently Asked Questions

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

We value the full offer at about $1,092, 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

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

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

Featured in

  • #3Best Hotel Credit CardsView list

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Rec. Credit

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