IHG One Rewards Premier Credit Card
Chase · VISA
The IHG One Rewards Premier Credit Card is a credit card from Chase on the VISA network. It has an annual fee of $99. It earns 5x on travel, 3x on everything else. The welcome offer is Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Key facts
- Annual fee
- $99
- Purchase APR
- 19.24% - 27.74% variable APR
- Network
- VISA
- Welcome offer
- Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 5x | 5x on travel |
| Everything else | 3x | 3x on all other purchases |
Benefits and perks
- Earn IHG One Rewards points on every purchase. Up to 26X points total per $1 spent when you stay at IHG Hotels and Resorts.
- Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
- NEW CARDMEMBER OFFER Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's up to 4 Nights at 4,700+ out of all IHG Hotels and Resorts' properties globally. * Opens offer details overlay Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening. * Opens offer details overlay This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does
- IHG ONE REWARDS Up to 26X total points at IHG Hotels and Resorts That's 10X points with this card. * Opens offer details overlay Plus up to 10X points from IHG on stays for being an IHG One Rewards member. * Opens offer details overlay Plus up to 6X points from IHG on stays with Platinum Elite Status, a benefit of this card. * Opens offer details overlay
- EARN REWARDS 5X points per dollar Earn 5X total points on travel, dining, and at gas stations. * Opens offer details overlay Earn 3X points per $1 spent on all other purchases. * Opens offer details overlay
- ELITE STATUS Automatic Platinum Elite Status as long as you remain an IHG One Rewards Premier Cardmember. * Opens offer details overlay
- FREE NIGHT Anniversary Free Night Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level. * Opens offer details overlay
- $100 STATEMENT CREDIT Earn $100 & 10,000 bonus points Earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year. * Opens offer details overlay
Rates and fees
Annual membership fee: $99. Purchase APR: 19.24% - 27.74% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the IHG One Rewards Premier Credit Card
What is the annual fee on the IHG One Rewards Premier Credit Card?
The IHG One Rewards Premier Credit Card has an annual fee of $99.
What rewards does the IHG One Rewards Premier Credit Card earn?
The IHG One Rewards Premier Credit Card earns 5x on travel, 3x on everything else.
Is the IHG One Rewards Premier Credit Card worth it?
The IHG One Rewards Premier Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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