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 · how we got this
| 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. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $310/yr on paper · how we got this
| 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 · through 2027-12-31 |
| Instacart credit | $120/year | monthly · enrollment required · through 2027-12-31 |
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? · how we got this
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.
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.
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? →
Comparing cards in the same currency? See the best cards that earn IHG points →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com · www.nerdwallet.com. Spot an error? Tell us.