IHG® One Rewards Premier Credit Card
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Pros & Cons
Pros
- Welcome Bonus: 180,000 points
- Up to 5x on groceries
- No foreign transaction fees
Cons
- High annual fee ($150/yr)
- No lounge access
- No purchase protection
Our Review
Unlock Premium Travel Benefits with the IHG One Rewards Premier Credit Card
Launch offer: Earn 180,000 Bonus Points with the IHG One Rewards Premier Credit Card after spending $3,000 on purchases in your first 3 months from account opening, plus 10,000 bonus points when you add an authorized user in the first 3 months!
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 (up to 50,000 points), which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Card, you’ll enjoy:
- Automatic IHG Gold Elite status, and Platinum Elite after $15,000 in purchases in a calendar year
- 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 24 total points per $1 at IHG properties, 5 points per $1 on travel, dining, grocery stores and gas stations, 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
Groceries
5x
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
122,400
IHG Rewards/yr
Estimated Value
$1,224
After Fees
+$1,074
1st Year Value
$2,874
incl. welcome bonus
Breakdown
Perks & Benefits
NEXUS Credit
$120
Additional Benefits
- Automatic IHG One Rewards Gold Elite status for as long as you remain a Premier cardmember; Platinum Elite status after $15,000 in purchases in a calendar year, Diamond Elite after $40,000.
- 15 Elite Night Credits at account opening and each calendar year, plus 2 Elite Night Credits per $5,000 spent and 5 more after $15,000 in a calendar year.
- Anniversary Free Night each account anniversary year, with a redemption cap of 50,000 points; you can top up with points from your IHG One Rewards account for higher-level hotels.
- Up to $100 a year in IHG Food & Beverage Rewards ($25 voucher each calendar quarter).
- $100 statement credit each calendar year after a purchase of at least $250 on flights booked directly with the airline (through 12/31/27).
- Up to $50 a year in United TravelBank Cash ($25 twice a year, registration required).
- Fourth reward night free on standard room Reward Night stays of 4 nights or more.
- 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, through 12/31/27.
Fees and interest rates
- Annual Fee$150
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Launch offer: Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user in the first 3 months.
- Enjoy an Anniversary Free Night (redemption cap of 50,000 points) 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 24 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on travel, dining, grocery stores and gas stations. Earn 3 points per $1 spent on all other purchases
- Automatic Gold Elite status as long as you remain a Premier cardmember; Platinum Elite status after $15,000 in purchases in a calendar year
- 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
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.
