Card reviewChase
Updated Aug 12, 2026 · research
ihg premier card
ChaseIHG One Rewards

IHG One Rewards Premier Credit Card

Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Enjoy automatic Platinum Elite status and an anniversary free night.

Mid TierPersonal
Visa
Credit profile: excellent
$99
Annual fee
26x pts ihg hotels and resorts (total earn stays)
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

Earn 140,000 points

Spend $3,000 in 90 days

Verifiedprimary

Card Offers

public

Earn 140,000 points

Verified

Spend $3,000 in 90 days

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public

Earn 10,000 points

Verified

Spend $0 in 90 days

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Earning Rates

IHG Hotels and Resorts (Total Earn Stays)
26xpoints

Up to 26X total points per $1 spent when you stay at IHG Hotels and Resorts. Includes 10X from this card, up to 10X from IHG One Rewards membership, and up to 6X with Platinum Elite Status

IHG Hotels and Resorts (Card Earn)
10xpoints

Earn 10 points for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards

Dining
5xpoints

Dining at restaurants including takeout and eligible delivery services

Gas Stations
5xpoints

Purchases made at gas stations

Travel
5xpoints

Excluding purchases made at hotels participating in IHG One Rewards that qualify for the 10 points card earn

All other purchases
3xpoints

Fees

Fee TypeAmount
Annual Fee$99
Foreign Transaction Fee0%

APR Information

Purchase APR
19.24% - 27.74%

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

11 benefits (5 strong or better) including 2 hidden gems

Travel Insurance

Travel Credits

Elite Status

Purchase Protection

Statement Credits

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

About This Card

The IHG One Rewards Premier Credit Card is designed for loyal guests of IHG Hotels and Resorts. It offers substantial points earning on stays, automatic Platinum Elite status, and a valuable anniversary free night. Cardmembers also enjoy benefits like a fourth reward night free on point redemptions, travel protections, and credits for United Airlines and Global Entry, TSA PreCheck, or NEXUS.

Ready to Decide?

Apply for the IHG One Rewards Premier Credit Card

Earn 140,000 points with a $99 annual fee.

Spend $3,000 in 90 days

Hotel program

IHG One Rewards

Earns Points

Card Categories

TravelHotelCo-brandedNo Foreign Transaction FeeDining

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them with automated checks.

Last updated:

How it's checked

Analyzed by the Rewardopedia Engine.

Data Quality
  • 11 of 11 benefits rated high confidence
  • 11 source citations across benefits
  • 2 of 2 offers verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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