Chase
IHG One Rewards Premier Credit Card
Key Features
| Annual Fee | $99.00 |
| Sign-up Bonus | Up to 185,000 Bonus Points |
| Rewards Rate | Up to 26X Points |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Network | Mastercard |
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 (4.8/5.0), highly competitive fee structure (4.5/5.0), and stellar market reputation (4.7/5.0) are its cornerstone strengths, propelling it to the top tier of co-branded hotel cards. The rewards program is truly best-in-class for IHG loyalists, offering incredibly high earning rates (up to 26X on IHG stays, 5X on common categories, 3X everywhere else), a generous sign-up bonus (up to 185,000 points), and invaluable ongoing perks. The annual free night certificate, 'Redeem 3 Nights, Get 4th Night Free' benefit, and automatic Platinum Elite status alone easily justify and often far exceed the $99 annual fee. Additional benefits like Global Entry/TSA PreCheck credit, United TravelBank Cash, and DoorDash DashPass further enhance its appeal, providing significant supplementary value. The absence of foreign transaction fees is also a critical advantage for a travel card. The card's strong reputation, consistently praised by experts and users for delivering tangible value, reinforces its standing. It is widely regarded as a 'must-have' for those embedded in the IHG ecosystem. The primary drawback is its very high regular APR (1.5/5.0), which makes carrying a balance on this card an expensive endeavor. This significantly impacts its attractiveness for consumers who don't pay their statement in full each month. However, for the financially disciplined traveler who leverages the card's extensive benefits and pays off their balance, the high APR is a less critical factor. In summary, the IHG One Rewards Premier Credit Card is an outstanding choice for dedicated IHG One Rewards members who can fully utilize its robust earning potential and extensive travel benefits. Its strengths overwhelmingly outweigh its single major weakness for its intended user base, making it an excellent tool for enhancing IHG stays and travel experiences.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on hotel stays and common spending categories
- No foreign transaction fees
- Automatic elite status and pathway to higher status with hotel chain
- Valuable travel and hotel benefits including free night and travel credits
Things to consider
- Annual fee applies
- High regular APR
What this card offers
Sign-up bonuses
- Earn up to 185,000 Bonus Points
- Earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening.
- Plus, earn 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening for a total of 185,000 bonus points.
Rewards
- Up to 26X total points per $1 spent when you stay 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.
- 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.
- Early Access to IHG Reward Night Sales 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. Activate by Dec 31, 2027.
- DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly 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.