IHG One Rewards Premier Credit Card

Earn rates · how we got this

Signup bonus: 180,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-10-23.

Statement credits — $410/yr on paper · how we got this

Four of the five pay out in pieces through the year, and three must be enrolled in first. A month you miss is gone, not banked.

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

Non-cash perks

• Automatic IHG One Rewards Gold Elite status while cardmember (Platinum is no longer automatic; existing cardmembers keep Platinum through 12/31/2027)
• Platinum Elite status, 5 Elite Night Credits and 15,000 bonus points after $15,000 in calendar-year purchases
• IHG One Rewards Diamond Elite status after $40,000 in calendar-year purchases, for the rest of that year and the next
• 15 Elite Night Credits at account opening and each calendar year, plus 2 for every $5,000 spent
• Anniversary Free Night each year at hotels up to 50,000 points (top up with points above that)
• Redeem 3 reward nights, get the 4th reward night free on IHG award stays (unlimited uses annually)
• 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 3 days
• Lost luggage reimbursement up to $3,000 per covered traveler
• Purchase protection: 120 days from purchase, up to $500 per item
• Trip cancellation and interruption insurance: up to $5,000 per covered traveler, $10,000 per trip
• 10,000 bonus points for adding an authorized user in the first 3 months

Does the fee earn out? · how we got this

The printed statement credits ($410/yr) cover the $150 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 $150 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.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:

• Anyone who doesn't spend at IHG. Its largest printed rate, 10x on hotels, pays only at IHG. Anywhere else it earns its base 3x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.

Compared head-to-head

• IHG One Rewards Premier Credit Card vs Citi Strata Premier® Card — which earns more?

Don't want the fee any more?

IHG One Rewards Premier Credit Card can normally be product-changed to one 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? →

More from Chase

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All Chase cards →