IHG One Rewards Premier Credit Card Credit Card

IHG One Rewards Premier Credit Card

Last Updated: 04/06/2026

Rating
3.9 / 5
Sign Up Bonus
140,000 Points
Annual Fee
$99
Credit Score
Good

Summary

04/05/2026: The welcome offer has been lowered to 140K Points

Sign-Up Bonus
4
Spending Multipliers
3.5
Credits & Features
3
Fees
4.5
Application
3.5
Issuer
NaN

The Chase IHG One Rewards Premier Card is a premium hotel rewards credit card designed for frequent IHG hotel guests who want to maximize points earning, enjoy elite perks, and access robust travel protections. Ideal for loyal IHG travelers, the card offers up to 26x points on IHG purchases, a free anniversary night, and the ability to redeem three nights and get the fourth free, along with 20% off reward points purchases. Cardholders also benefit from a $50 annual United Airlines TravelBank cash, $120 credit for Global Entry or TSA PreCheck every four years, and bonus rewards such as $100 and 10,000 points after $20,000 in annual spend. Travel protections include purchase protection up to $500 per claim, baggage delay insurance, lost luggage reimbursement up to $3,000 per passenger, and trip cancellation/interruption insurance up to $5,000 per person and $10,000 per trip, while lifestyle perks feature one year of DashPass and $10 quarterly non-restaurant DoorDash credits through December 31, 2027. While the annual fee is not waived in the first year and many features are closely tied to IHG, the IHG One Rewards Premier card is best suited for frequent IHG guests seeking accelerated points, elite benefits, and comprehensive travel protections.

Pros

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No foreign transaction fee
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Up to 26x back on IHG purchase
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Purchase protection up to $500 per claim and $50,000 per account

Cons

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Annual fee not waived in the first year
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Features are closely coupled to IHG
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Points are worth about 0.5 cents per point

Issuer

Spending Multipliers

Credits & Features

Free anniversary night
Redeem 3 nights and get the 4th free
20% off reward points purchase
$50 annual United Airlines TravelBank Cash
$120 credit for Global Entry or TSA PreCheck every 4 years
$100 & 10,000 Points after $20,000 in annual spend
1 year DashPass until December 31, 2027
$10 quarterly non-restaurant DoorDash credit until December 31, 2027
Baggage delay insurance
Lost luggage reimbursement up to $3,000 per passenger
Trip cancellation/interruption insurance up to $5,000 per person and $10,000 per trip

Application

  • Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
  • Welcome bonus is only available if you don’t have any IHG Rewards card and did not open an IHG Rewards card in the last 24 months
  • Consider having at least a credit history for 1 year
  • Avoid applying for more than 2 Chase cards in 30 days

Fees

  • $99 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.24% - 27.74% Variable APR
  • 28.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 19.24% - 27.74% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process