IHG One Rewards Premier Credit Card
| Annual fee | $150 Fact |
| Foreign transaction fee | None |
| Rewards currency | points |
| Est. point value | 0.60¢ Estimate |
Last updated Oct 17, 2026
Checked Oct 12, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 300,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to May 2022 · 6 mo | 150,000 points | $3,000 |
| May 2022 to Mar 2023 · 11 mo | 140,000 points | $3,000 |
| Mar 2023 to May 2023 · 2 mo | 175,000 points | $3,000 |
| May 2023 to Sep 2023 · 4 mo | 140,000 points | $3,000 |
| Sep 2023 to Jan 2024 · 3 mo | 140,000 points plus $100 statement credit | $3,000 |
| Jan 2024 to Mar 2025 · 14 mo | 140,000 points | $3,000 |
| Mar 2025 to May 2025 · 2 mo | 170,000 points | $4,000 |
| May 2025 to Jul 2025 · 2 mo | 140,000 points | $3,000 |
| Jul 2025 to Jan 2026 · 6 mo | 300,000 points Best | $5,000 |
| Jan 2026 to Sep 2026 · 9 mo | 140,000 points | $3,000 |
| Sep 2026 to Sep 2026 · 3 days | 140,000 points plus 10,000 bonus points after adding an authorized user in the first 3 months | $3,000 |
| Sep 2026 to Sep 2026 · 7 days | 140,000 points plus 10,000 bonus points for adding an authorized user | $3,000 |
| Sep 2026 to Oct 2026 · 1 day | 140,000 points plus 10,000 bonus points after adding an authorized user | $3,000 |
| Oct 2026 to Oct 2026 · 16 days | 180,000 points | $3,000 |
| Oct 2026 to now · 17 days | 180,000 points plus 10,000 bonus points for adding an authorized user | $3,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 10x | points | No cap |
| Restaurants | 5x | points | No cap |
| Gas and EV charging | 5x | points | No cap |
| Travel | 5x | points | No cap |
| Groceries | 5x | n/a | No cap |
| Flights | 5x | n/a | No cap |
| Car rentals and cruises | 5x | n/a | No cap |
| Everything else | 3x | points | No cap |
Your elite status
Recurring credits
Estimated value| One-year complimentary DashPass by DoorDash ($120/year value) providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders; auto-enrolls at current monthly rate after the complimentary period. Activate by Dec 31, 2027. Also for each authorized user
|
$120/yr (Monthly) |
| Statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fee. Shared across the account
|
$30/yr (one-time/annual) |
| Receive $25 United TravelBank Cash deposited around January 5 and another $25 around July 5 each year (up to $50 annually) after registering with MileagePlus account. Primary cardmember only
|
$25/yr (Calendar Year) |
| $25 Food and Beverage Reward voucher each calendar quarter (up to $100 per calendar year) to use toward food and beverage charges on your room bill at participating IHG Hotels & Resorts. Shared across the account
|
$25/yr (Calendar Year) |
| $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27. Shared across the account
|
$100 (Calendar Year) after $250 spend |
Credit value depends on whether you use each credit; treat these as potential value.
Certificates
Estimated value| Anniversary Free Night, up to 40,000 points Points can be added to book above the cap |
$240/yr |
A free night is valued at its points cap and our points valuation. Certificates expire, so their value depends on using them in time.
Benefits & protections
Card factsEarn a Free Night each account anniversary year, with a current point redemption cap of 40,000 points; existing points can be used to redeem stays above that level.
Each calendar year you make purchases totaling $40,000 or more, you qualify for IHG One Rewards Diamond Elite Status through December 31 of the following year.
Qualify for IHG One Rewards Platinum Elite Status through December 31 of the following year after spending $15,000 or more on purchases each calendar year.
Earn an additional 5 Elite Night Credits (ENC) after spending $15,000 on purchases each calendar year, in addition to the 2 ENC earned per $5,000 spent.
Earn 2 Elite Night Credits (ENC) for every $5,000 spent on purchases with your Premier Card; no limit on total ENC earned.
Automatic 15 Elite Night Credits (ENC) deposited upon account opening and then at the start of each calendar year, counting toward IHG elite status and Milestone Rewards.
Automatic IHG One Rewards Gold Elite Status for as long as you remain an IHG One Rewards Premier cardmember.
When redeeming points for 4+ consecutive nights at the same IHG hotel, the 4th Reward Night is free.
DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Reimbursement up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses if a trip is canceled or cut short.
Covers eligible new purchases for 120 days against damage or theft, up to $500 per item.
Reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Earn 15,000 bonus points after you spend $15,000 on purchases each calendar year.
Complimentary 3-month Instacart+ membership after activation; auto-renews at $99/yr after.
Receive a monthly $10 Instacart credit, up to $120 annually, requiring an active Instacart+ membership; benefits end 12/31/27.
Save 20% when purchasing IHG One Rewards points with this credit card.
Authorized users on the IHG Premier
Card factsAuthorized users are free.
Each authorized user gets
- Baggage delay insurance
- Complimentary DashPass membership
- Lost luggage reimbursement
- Purchase protection
- Trip cancellation and interruption insurance
Shared across the account
- $100 statement credit
- Global entrytsa prechecknexus statement credit
- Up to 100 in annual food and beverage rewards at IHG hotels
Primary cardmember only
- Anniversary free night
- Automatic gold elite status
- Automatic platinum elite status
- Diamond elite status
- Elite night credits
- Elite night credits after 15000 spend
- Elite night credits per 5000 spent
- United travelbank Cash
News on this card
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