IHG One Rewards Premier Credit Card
$99/yr
Chase
IHG One Rewards Premier Credit Card
4.3
(1,234 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026One of the best hotel cards for value. The annual free night (worth up to 40,000 points, often $150+) alone justifies the $99 fee. IHG Platinum Elite status, 4th-night-free on reward stays, and a massive 26x earning rate at IHG properties make this a must for IHG loyalists.
Annual Fee
$99
Purchase APR
21.49% – 28.49%
Rewards
3x base rate
Sign-Up Bonus
$700 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The IHG One Rewards Premier Credit Card is best suited for established credit users who ihg hotel loyalists who stay a few times per year. The $99 annual fee pays for itself if you spend $3,300+/year on this card.
This card is great if you…
- Free night covers the annual fee
- 26x at IHG hotels
- 4th night free on awards
- IHG hotel loyalists who stay a few times per year
Consider another card if you…
- $99 annual fee
- IHG points worth ~0.5¢
- Free night capped at 40K points
Rewards Breakdown
26x IHG hotels, 5x travel/dining/gas, 3x everything else
| Category | Rate |
|---|---|
| IHG Hotels | 26x |
| Travel | 5x |
| Dining | 5x |
| Gas Stations | 5x |
| Everything else | 3x |
Rewards Distribution
26x
top rate
IHG Hotels26x59%
Travel5x11%
Dining5x11%
Gas Stations5x11%
Everything else3x7%
Sign-Up Bonus
140,000 IHG points after spending $3,000 in 3 months
Fees & APR
| Annual Fee | $99 |
| Purchase APR | 21.49% – 28.49% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Free night covers the annual fee
26x at IHG hotels
4th night free on awards
Platinum Elite status
$99 annual fee
IHG points worth ~0.5¢
Free night capped at 40K points
The Bottom Line
The Good: The IHG One Rewards Premier Credit Card stands out for its free night covers the annual fee. The welcome bonus worth $700 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $99 annual fee. The $99 annual fee means you need to use the card actively to justify the cost.
Our Verdict: With an editor score of 8/10, the IHG One Rewards Premier Credit Card is one of our top-rated cards in its category. Make sure you'll earn at least $99 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the IHG One Rewards Premier Credit Card?▾
The IHG One Rewards Premier Credit Card has a $99 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the IHG One Rewards Premier Credit Card?▾
The IHG One Rewards Premier Credit Card currently offers a sign-up bonus worth approximately $700. 140,000 IHG points after spending $3,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the IHG One Rewards Premier Credit Card?▾
The IHG One Rewards Premier Credit Card earns 3x points on all purchases, and up to 26x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the IHG One Rewards Premier Credit Card?▾
The IHG One Rewards Premier Credit Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the IHG One Rewards Premier Credit Card charge a foreign transaction fee?▾
No — the IHG One Rewards Premier Credit Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the IHG One Rewards Premier Credit Card?▾
The IHG One Rewards Premier Credit Card has a variable purchase APR of 21.49% – 28.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the IHG One Rewards Premier Credit Card best for?▾
The IHG One Rewards Premier Credit Card is best for IHG hotel loyalists who stay a few times per year. A key advantage: free night covers the annual fee.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $540Annual fee: $99
Card pays for itself! You earn $441 more than the annual fee at this spend level.
Based on 3x base rewards rate @ 1.5¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.3
1,234 reviews
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