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IHG One Rewards Premier
Chase

IHG One Rewards Premier

A $99-a-year hotel card from Chase.

Limited-Time Offer
Locked to IHG One Rewards
Annual fee
$99/yr
Welcome bonus
140,000 140,000 IHG One Rewards Points
Min spend
$3,000 in 3 months
Recommended credit
Good to Excellent (700+)
Network
Mastercard
Foreign transaction fee
None
Apply on Chase site7.6/10Our rating · review ›

Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Chase application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining, gas, and travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $99 annual fee.

Earning rates

26x IHG One Rewards points at IHG Hotels & Resorts
5x points on travel, dining, and gas stations
3x points on all other purchases
Automatic IHG One Rewards Platinum Elite status
IHG One Rewards Bonus points each account anniversary year

Best ways to earn & redeem

Put your dining, gas, and travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is among the stronger ones you will find in that category.

When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

4th night free on award stays
Global Entry, TSA PreCheck, or NEXUS fee credit
No foreign transaction fees

Pairs well with

The IHG One Rewards Premier earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the IHG One Rewards Premier lands.

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