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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 tailored for travelers who frequent IHG brands and want automatic elite status alongside easy fee-offsetting benefits. It functions as a powerful specialist card that yields significant return on hotel stays and annual redemptions.

Welcome Offer
Earn up to 185,000 Points
Annual Fee
$99
Rec. Credit Score
Good
Good For
IHG Hotel Guests
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 night redemptions

Four-night award stays

Automatic hotel elite status

For anyone visiting an IHG property even once or twice a year, this card easily justifies its $99 annual fee. The anniversary free night certificate alone can match or exceed the fee when redeemed at properties charging up to 40,000 points, and you have the flexibility to top off the award with additional points for higher-tier stays. The fourth-night-free benefit on award bookings further stretches your points balance. Combined with automatic Platinum Elite status, up to $50 in annual United TravelBank cash, and a application fee credit for Global Entry, TSA PreCheck, or NEXUS, the ongoing value is substantial. Travelers who prefer non-hotel specific rewards might look elsewhere, but for IHG guests, keeping this card in your wallet is a straightforward win.

MaxRewards

MaxRewards Verdict

An exceptional pick for regular IHG guests that easily offsets its $99 fee through an annual free night and fourth-night-free award perk, though its rewards carry little appeal for non-IHG travelers.

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

Earnings are heavily concentrated on IHG hotel stays, supplemented by solid multipliers on everyday spending like dining, gas, and general 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

A comprehensive set of travel protections and annual perks helps ensure cardholders recover the yearly cost without complicated effort.

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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Annual Fee

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Rec. Credit

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