IHG One Rewards Premier Credit Card
| Annual fee | $99 Fact |
| Foreign transaction fee | None |
| Rewards currency | points |
| Est. point value | 0.60¢ Estimate |
Last updated Aug 30, 2026
Checked Aug 30, 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 |
|---|---|---|
| Aug 2021 to May 2022 | 150,000 points | $3,000 |
| May 2022 to Mar 2023 | 140,000 points | $3,000 |
| Mar 2023 to May 2023 | 175,000 points | $3,000 |
| May 2023 to Mar 2025 | 140,000 points | $3,000 |
| Mar 2025 to May 2025 | 170,000 points | $4,000 |
| May 2025 to Jul 2025 | 140,000 points | $3,000 |
| Jul 2025 to Jan 2026 | 300,000 points Best | $5,000 |
| Jan 2026 to now | 140,000 points | $3,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. 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 |
| Everything else | 3x | points | No cap |
Your elite status
Recurring credits
Estimated value| Statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fee. | $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. | $25/yr (Calendar Year) |
Credit value depends on whether you use each credit; treat these as potential value.
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 spend $40,000 or more, you qualify for IHG One Rewards Diamond Elite Status through December 31 of the following year.
Automatic IHG One Rewards Platinum Elite Status 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.
One-year complimentary DashPass membership for DoorDash and Caviar providing $0 delivery fees and lower service fees; auto-enrolls at current monthly rate after. Activate by 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 when baggage is delayed over 6 hours.
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.
Eligible for early access to IHG Reward Night sales each year.
Save 20% when purchasing IHG One Rewards points with this credit card.
News on this card
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Article Aug 30, 2026Now on The Points Pro: 10 new cards
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