IHG One Rewards Premier Credit Card

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

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.

Issuer

Chase, tracing its roots to 1799, has evolved into the largest bank in America with a global presence and over 240,000 employees. Founded with a mission to provide clean water to New York and using its surplus for its banking operations, Chase introduced its first credit card in 1958 and remains prominent in the credit card space, notably enforcing the "5/24 rule." Serving a diverse customer base with a focus on individuals and businesses, Chase offers a comprehensive range of financial products, including checking accounts, credit cards, loans, and investment services. With total assets reaching $4.6 trillion and an annual revenue of $280 billion in 2025, Chase stands as a financially stable institution. Committed to innovation, the bank invests $15 billion in technology, providing an intuitive online and mobile banking experience. Chase's philanthropic efforts align with addressing environmental and social challenges, exemplified by its Sustainable Development Target. Collaborating with various companies like Amazon, Southwest, United, Marriott, and Disney to name a few, Chase offers co-branded cards and operates over 4,700 branches in the US, emphasizing accessibility. Grounded in core principles, Chase strives to deliver exceptional client service, uphold integrity, and support employee growth, maintaining regulatory compliance as an FDIC, FINRA, and SIPC member and an equal housing opportunity lender.

Spending Multipliers

Credits & Features