Chase · Mastercard

IHG One Rewards Premier Credit Card

$99 annual fee · $310/yr in printed statement credits · 3x on everything else · no foreign transaction fees

Earn rates

Category	Rate	Cap
Travel	5x	uncapped
Gas	5x	uncapped
Dining	5x	uncapped
Everything else	3x	uncapped
Hotels at IHG only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site	10x	uncapped

See how it ranks: best travel cards · best gas cards · best dining cards.

Signup bonus: 140,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.

Statement credits — $310/yr on paper

Credit	Value	How it pays
Calendar-year spend statement credit	$100/year	annual
United TravelBank Cash	$50/year	twice a year · enrollment required
DoorDash non-restaurant order discount	$40/year	quarterly · enrollment required
Instacart credit	$120/year	monthly · enrollment required

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

Automatic IHG One Rewards Platinum Elite status while cardmember
Redeem 3 reward nights, get the 4th reward night free on IHG award stays (unlimited uses annually)
IHG One Rewards Diamond Elite Status after $40,000+ in calendar-year purchases, through Dec 31 of the following year
Global Entry, TSA PreCheck, or NEXUS application fee statement credit, up to $120, once every four years (cadence doesn't map to this schema's credit cadence options, so it is listed here rather than in credits)
Baggage delay insurance: up to $100/day for 5 days
Lost luggage reimbursement (NY residents limited to $2,000/bag, $10,000/trip)
Purchase protection: 120 days from purchase, up to $500 per item
Trip cancellation and interruption insurance

Does the fee earn out?

The printed statement credits ($310/yr) cover the $99 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.

Is this $99 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Don't want the fee any more?

IHG One Rewards Premier Credit Card can normally be product-changed to 1 lower-fee card in the Chase IHG One Rewards family instead of being closed — which keeps the account, its age and its credit line.

What does IHG One Rewards Premier Credit Card downgrade to? →

Comparing cards in the same currency? See the best cards that earn IHG points →