IHG One Rewards Premier Credit Card Review
Chase · IHG hotel loyalists who stay a few times per year
4.3 / 5 (1234 reviews)
Annual Fee
$99
Rewards
26x IHG hotels, 5x travel/dining/gas, 3x everything else
Regular APR
21.49% – 28.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
One 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.
Pros
- Free night covers the annual fee
- 26x at IHG hotels
- 4th night free on awards
- Platinum Elite status
Cons
- $99 annual fee
- IHG points worth ~0.5¢
- Free night capped at 40K points
Sign-Up Bonus
140,000 IHG points after spending $3,000 in 3 months
Key Benefits & Perks
Free night each account anniversary (up to 40K pts)
Automatic IHG Platinum Elite status
4th night free on reward stays
Global Entry/TSA PreCheck credit
No foreign transaction fees
Rewards Breakdown
| Category | Rate |
|---|---|
| IHG Hotels | 26x |
| Travel | 5x |
| Dining | 5x |
| Gas Stations | 5x |
| Everything else | 3x |
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IHG hotel loyalists who stay a few times per year
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