Chase
IHG One Rewards Premier Credit Card
Key Features
| Annual Fee | $99.00 |
| Sign-up Bonus | Earn 150,000 bonus points |
| Rewards Rate | Up to 26X points |
| Regular APR | 19.24%–27.74% variable APR. |
About this card
The IHG One Rewards Premier Credit Card earns an overall rating of 4.4 out of 5.0, classifying it as an 'Excellent' credit card. This rating reflects its outstanding value proposition for its target audience: frequent IHG travelers and points enthusiasts who prioritize maximizing hotel rewards and benefits. The card's exceptional rewards program, highly competitive fee structure, and stellar market reputation are its cornerstone strengths, propelling it to the top tier of co-branded hotel cards. The primary drawback is its very high regular APR, which significantly impacts its attractiveness for consumers who don't pay their statement in full each month, but is less critical for its intended users who pay in full. **Strengths:** * **Exceptional Rewards Program (4.8/5.0):** The card shines with incredibly high earning rates, offering up to 26X total points on IHG stays, 5X on travel, dining, and gas, and 3X on all other purchases. The sign-up bonus of up to 150,000 points is very generous. Its ongoing benefits are truly top-tier, including an annual free night certificate (easily offsetting the annual fee), 'Redeem 3 Nights, Get 4th Night Free,' automatic Platinum Elite status, and a pathway to Diamond Elite status. Additional perks like a Global Entry/TSA PreCheck credit, up to $50 United TravelBank Cash, complimentary DashPass, and monthly Instacart credits further enhance its value. * **Excellent Fee Structure (4.5/5.0):** The $99 annual fee is reasonable for a premium travel card and is consistently offset, often multiple times over, by the extensive benefits it provides. Crucially, there are no foreign transaction fees, which is a must-have for a travel-focused card. * **Stellar Reputation:** Issued by Chase, a highly reputable financial institution, the card consistently receives praise from financial experts and users alike. It is frequently cited as a 'must-have' for IHG loyalists, with users often calling it a 'keeper card' due to the enduring value of its benefits. * **Strong Target Audience Fit:** For individuals who frequently stay at IHG properties, this card delivers immense value, seamlessly integrating benefits into their travel habits. **Weaknesses:** * **Poor APR (1.5/5.0):** The regular variable APR of 19.24%–27.74% is considerably high and uncompetitive, especially given the 'Very Good' credit tier it targets. The absence of an introductory APR means carrying a balance is very costly, which can quickly erode any rewards earned. This is the card's most significant drawback. **Overall Assessment:** Despite the very high APR, the IHG One Rewards Premier Credit Card's strengths overwhelmingly outweigh its single major weakness for its intended user base. For the financially disciplined traveler and IHG loyalist who pays their balance in full each month, this card is an exceptional tool for maximizing hotel rewards and travel benefits, easily justifying its annual fee. Its robust earning potential, substantial sign-up bonus, and invaluable ongoing perks firmly establish it as an excellent choice in the co-branded hotel card market.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status and valuable hotel perks
- Travel and lifestyle credits and insurance benefits
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
- Plus,earn 10,000 bonus pointsafter you add an authorized user to your account in the first 3 months from account opening.
Rewards
- Up to 26X total points per $1 spent when you stay at IHG® Hotels and Resorts.
- Up to 26X total points at IHG® Hotels and Resorts
- 10X points with this card.
- Plus up to 10X points from IHG® on stays for being an IHG One Rewards member.
- Plus up to 6X points from IHG® on stays with Platinum Elite Status, a benefit of this card.
- 5X points per dollar
- Earn 5X total points on travel, dining, and at gas stations.
- Earn 3X points per $1 spent on all other purchases.
Other features
- Automatic Platinum Elite Status as long as you remain an IHG One Rewards Premier Cardmember.
- Anniversary Free Night Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
- Earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year.
- Redeem 3 Nights, Get 4th Night Free When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.
- 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.
- Save 20% when you purchase points with your IHG One Rewards Premier credit card.
- As an IHG One Rewards Cardmember, you are eligible for early access to Reward Night sales each year.
- 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.
- Lost Luggage Reimbursement Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Trip Cancellation and Interruption Insurance If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
- No foreign transaction fees You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Global Entry, TSA PreCheck® or NEXUS Statement Credit Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card.
- Up to $50 United® Airlines TravelBank Cash each year Receive up to $50 United® TravelBank Cash each calendar year after registering your IHG One Rewards Premier Credit Card with your MileagePlus® account.
- DoorDash Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Instacart Receive a monthly $10 Instacart credit, up to $120 annually, plus a complimentary 3-month Instacart+ membership. Service fees and terms apply. Membership auto-renews at $99/yr. Active Instacart+ membership is required to receive your $10 monthly credit. Benefits end 12/31/27.
- Chase Pay Over Time® Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
Additional Notes
This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products.