Best IHG One Rewards Credit Cards

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IHG® One Rewards Premier Credit Card

ChaseIHG Rewards

Annual fee: $99
Our valuation: $840Milesopedia first-year estimate First-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 140,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer! Earn 140,000 Bonus Points
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

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Rewards: Rate
Gas & EV: 5x
Restaurants: 5x
Travel: 5x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 140,000 points
3x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Credit Card

Limited Time Offer: Earn 140,000 Bonus Points with the IHG One Rewards Premier Credit Card after spending $3,000 on purchases in your first 3 months from account opening!

The IHG One Rewards Premier Credit Card delivers exceptional value that extends well beyond its annual fee. This card is worth getting primarily for its anniversary free night certificate, which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Card, you’ll enjoy:

Automatic IHG Platinum Elite status
Fourth night free on award redemptions
Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years

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IHG® One Rewards Premier Business Credit Card

BusinessChaseIHG Rewards

Annual fee: $99
Our valuation: $840Milesopedia first-year estimate First-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 140,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Current welcome offer: Earn up to 200,000 Bonus Points. Earn 140,000 points after spending $4,000 on purchases in the first 3 months from account opening, and earn an additional 60,000 points after spending a total of $9,000 in the first 6 months as a cardholder.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

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Rewards: Rate
Gas & EV: 5x
Restaurants: 5x
Travel: 5x

Benefits
NEXUS: $120

Read full review

Pros

Welcome bonus of 140,000 points
3x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Business Credit Card

Welcome Offer: Earn up to 200,000 Bonus Points with the IHG One Rewards Premier Business Credit Card after meeting spending requirements.

The IHG One Rewards Premier Business Credit Card delivers exceptional value for business owners. This card is worth getting primarily for its anniversary free night certificate, which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Business Card, you’ll enjoy:

Automatic IHG Platinum Elite status
Fourth night free on award redemptions
Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years

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IHG® One Rewards Traveler Credit Card

ChaseIHG Rewards

Annual fee: $0
Our valuation: $480Milesopedia first-year estimate First-year valueWelcome bonus$480Total$480Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$480Total$480Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 80,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 80,000 Bonus Points after spending $2,000 in the first 3 months from account opening.
No Annual Fee
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® & Holiday Inn®
Member FDIC

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Rewards: Rate
Gas & EV: 3x
Restaurants: 3x
Bills & recurring payments: 3x

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Pros

No annual fee
Welcome bonus of 80,000 points
2x on groceries
3x at restaurants

Cons

Fewer premium perks

Maximize Your Stays with the IHG One Rewards Traveler Credit Card

80,000 bonus points after spending $2,000 within the first 3 months
Up to 17x points per $1 on IHG hotel stays
3x points on monthly bills, gas and restaurants
2x points on all other purchases
No annual fee and no foreign transaction fees
4th night free on award stays of 4 or more consecutive nights

Whether you’re planning a weekend escape or a cross‑country journey, this card delivers plentiful points on every stay and everyday spend. Use your bonus points for multi‑night stays at top IHG brands—InterContinental, Crowne Plaza, Kimpton, Holiday Inn and more—while enjoying the freedom of zero fees. Manage your rewards seamlessly in the Chase app, and enjoy automatic IHG One Rewards enrollment, intuitive digital tools and 24/7 customer support.

Terms apply. Welcome bonus requires minimum spend. Points values and earning rates vary by hotel brand. See full terms for details.

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Complete Guide

Compare IHG Premier, Traveler, and business credit cards.

Cards analyzed

Sep 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

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