IHG One Rewards Premier
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn 185,000 bonus points after qualifying spend in the first 3 months from account opening.
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
Earning Rates
At a glance
- Free night award annually
- Platinum Elite status
- 4th night free on awards
- 10x at IHG properties
Earning rates
3- 26xlodging
Up to 26X total IHG One Rewards points per $1 spent at IHG Hotels and Resorts worldwide: 10X base from this card + 10X from IHG as a One Rewards member + up to 6X from IHG on stays for holding Platinum Elite status (the 6X is the Platinum Elite 60% bonus on the 10-point member base, which Chase publishes as 'up to 6X' because lower-earning IHG brands such as Candlewood Suites, Staybridge Suites, IHG Army Hotels, and Vignette/Iberostar use lower base rates with a 60% Platinum bonus applied)
- 5xdining
Earn 5X total points per $1 spent on travel, gas stations, and dining at restaurants including takeout and eligible delivery services (travel here explicitly excludes IHG stays, which earn at the 10X/26X tier instead)
- 3xeverything else
Earn 3X points per $1 spent on all other purchases (no caps on the 26X / 5X / 3X earn tiers)
Transfer partners
1Statement credits
5- $0Free Night AwardYearly
Free night award at IHG hotels (up to 40,000 points) after account anniversary
- $25Global Entry/TSA PreCheckYearly
Up to $100 statement credit for Global Entry or TSA PreCheck, once every 4 years (annualized $25).
- $120Global Entry, TSA PreCheck, or NEXUS Statement Credit
Global Entry, TSA PreCheck, or NEXUS Statement Credit: one statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck, or NEXUS when charged to the card by the cardmember or an authorized user (only the first program application fee in a 4-year period is reimbursed; the Chase IHG Premier page states up to $120, higher than the IHG Premier Business's same benefit at $100, and reflects current Chase pricing)
- $10DashPass-tier quarterly DoorDash credit
DashPass-tier quarterly DoorDash credit: up to $10 off quarterly on non-restaurant DoorDash orders (grocery, retail, convenience) through December 31, 2027 once DashPass is activated through the card
- $100Pay Over Time / Chase My Chase Plan
Pay Over Time / Chase My Chase Plan: eligible purchases of $100 or more can be split into fixed monthly payments with a fixed monthly fee and no interest, giving cardmembers an installment option without taking a new credit product
Perks & memberships
10- Elite statusAutomatic IHG One Rewards Platinum Elite Status for as long as the card account is open (Platinum Elite is the third-from-top tier in IHG One Rewards and delivers a 60% point bonus on stays, complimentary room upgrades when available, priority check-in, and IHG One Rewards complimentary internet)
- Elite statusDiamond Elite Status fast-track: each calendar year you make $40,000 or more in purchases on the card, the primary cardmember qualifies for IHG One Rewards Diamond Elite Status through December 31 of the following year (Diamond is IHG's published top elite tier; the spend-based fast track is unique to the Premier consumer card and the Premier Business card)
- Free nightAnniversary Free Night Reward each account anniversary year, valid at IHG Hotels with a point redemption value of 40,000 points or less (covers one standard room night and tax only); cardholders may top off by adding existing points from their IHG One Rewards account to redeem the Anniversary Free Night at hotels above the 40,000-point redemption level, effectively giving the certificate worldwide flexibility at any IHG property
- Award discountRedeem 3 Nights, Get the 4th Night Free on reward nights: for each standard-room Reward Night stay of 4 or more consecutive nights at the same property within the same point redemption, the 4th night is awarded at 0 points (effectively a 25% discount on long award stays); cardmembers can use the 4th Reward Night Free benefit on an unlimited number of qualifying redemption stays
- No foreign feesNo foreign transaction fees on purchases made outside the United States (no FX markup on the standard 1% network fee)
- MembershipComplimentary DashPass membership for one year (DoorDash + Caviar with $0 delivery fees and reduced service fees on eligible orders), with activation required by December 31, 2027; after the introductory year, the membership auto-renews at the then-current monthly DashPass rate unless canceled
- ConciergeVisa Signature concierge and Visa Signature Luxury Hotel Collection access through the underlying Visa Signature network (the IHG Premier is issued on the Visa Signature network, which adds a 24/7 concierge line and a Luxury Hotel Collection booking benefit for select non-IHG luxury hotels)
- Elite statusAuthorized users can be added so their spending earns points on the primary account and is eligible to count toward the $40,000 spend that triggers Diamond Elite Status for the primary cardmember
- Elite statusMid-tier hotel cobrand competitive positioning: at $99 annual fee, the IHG One Rewards Premier is the cheapest personal premium-credentialed hotel card in the U.S. market that grants both an annually renewing Free Night certificate usable at top-tier global properties (after top-off) and automatic mid-tier elite status, making the certificate alone routinely worth more than the annual fee in real-world rebookings (cross-referenced via The Points Guy and One Mile at a Time card reviews)
- Free nightAnniversary Free Night and 4th Night Free are stackable in the same trip: for example, a 4-night stay can use the Anniversary Night certificate for night 1 (or 4) and pay points for the other 3 with the 4th-night-free benefit applied separately on the points side, materially lowering the per-night cost (independent confirmation in IHG cardholder community guides indexed by One Mile at a Time)
Travel & purchase protections
4- Trip Cancellation and Interruption Insurance: reimbursement for pre-paid, non-refundable common carrier fares and tour deposits when the trip is canceled or cut short due to a covered reason such as covered illness, severe weather, or jury duty, when the trip is charged to the card
- Baggage Delay Insurance: reimbursement for essential purchases like toiletries and clothing for baggage delays over 6 hours by a passenger carrier, up to $100 per day for 3 days (per Chase IHG Premier benefits panel)
- Lost Luggage Reimbursement: coverage of up to $3,000 per covered traveler (with a New York resident sub-limit of $2,000 per bag and $10,000 for all covered travelers per trip) for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip booked on the card
- Purchase Protection: covers eligible new purchases for 90 days from the date of purchase against damage or theft, with per-claim and per-account caps disclosed in the Guide to Benefits
How we verified this card (2 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $3,000 in the first 3 months to earn the 185,000 bonus points bonus.
Ready to Apply?
Earn 185,000 bonus points
Apply NowAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
