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Chase · credit
Last updated
Typically needs good credit (guideline, not a guarantee)
Is the IHG One Rewards Premier worth keeping when the fee hits? →
Welcome offer — 5 free nights (up to 165,000 points) after $5,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
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What this card delivers across six value dimensions (0–100, normalized).
| 10× | IHG hotels Inferred by source |
|---|---|
| 5× | Travel, dining & gas Inferred by source |
| 3× | Everything else Inferred by source |
| Global Entry / TSA PreCheck | $100/yr · one-time Inferred by source |
|---|
No lounge access.
| Anniversary free night | One free night up to 40,000 points each year Inferred by source |
|---|---|
| IHG Platinum Elite status | Complimentary status while you hold the card Inferred by source |
| Fourth Night Free | On reward stays of 4+ nights Inferred by source |
| Trip cancellation | Up to $5,000/person Inferred by source |
|---|---|
| Baggage | Up to $3,000 per passenger Inferred by source |
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The IHG One Rewards Premier Credit Card has a $99 annual fee.
Using its non-spend-gated credits fully, the IHG One Rewards Premier Credit Card returns about $100 in value against its $99 annual fee — a net of +$1 per year. It can pay for itself if you actually use the credits.
The IHG One Rewards Premier Credit Card earns 10x on ihg hotels, 5x on travel, dining & gas, 3x on everything else.
No — the IHG One Rewards Premier Credit Card does not include airport lounge access.
No — the IHG One Rewards Premier Credit Card has no foreign transaction fee, so it's a good card to use abroad.
5 free nights (up to 165,000 points) after $5,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.