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Pros & Cons
Pros
- +Welcome Bonus: 140,000 points
- +Up to 5x on gas & EV charging
- +No foreign transaction fees
Cons
- –No purchase protection
Our Review
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
IHG One Rewards Premier cardholders earn up to 26 total points per $1 at IHG properties, 5 points per $1 on travel, gas stations, and restaurants, and 3 points per $1 on all other purchases. Your points can be redeemed at InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.
With the current elevated welcome bonus and stellar ongoing benefits, the IHG One Rewards Premier Credit Card is a no-brainer even if you don’t put significant spending on it long-term.
Apply now to secure this limited-time offer!
Rewards
All Spending
3x
IHG Rewards pts per dollar
Gas
5x
IHG Rewards pts per dollar
Restaurants
5x
IHG Rewards pts per dollar
Travel
5x
IHG Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
105,600
IHG Rewards/yr
Estimated Value
$1,056
After Fees
+$957
1st Year Value
$2,357
incl. welcome bonus
Breakdown
Perks & Benefits
NEXUS Credit
$120
Additional Benefits
- Automatic IHG One Rewards Platinum Elite status for as long as you remain a Premier cardmember.
- Anniversary Free Night each account anniversary year, with a current point redemption cap of 40,000 points; you can top up with points from your IHG One Rewards account for higher-level hotels.
- $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year.
- IHG One Rewards Diamond Elite status for each calendar year you make $40,000 or more in purchases, through December 31 of the following year.
- Up to $120 statement credit every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee.
- Up to $120 a year in Instacart credits, $10 monthly, plus a complimentary three-month Instacart+ membership.
- One-year complimentary DashPass membership for DoorDash and Caviar.
Fees and interest rates
- Annual Fee$99
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- 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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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.