IHG One Rewards Premier: Hotel Rewards with Free Night and Elite Perks
Earn up to 26X points on IHG stays, 5X on travel, dining, and gas, 3X on all other purchases, plus automatic Platinum Elite status and an annual free night certificate that can help offset the annual fee.
The Bottom Line
4.5
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
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The IHG One Rewards Premier credit card delivers strong value for frequent IHG Hotels & Resorts guests, with standout features including up to 26X points on IHG stays, automatic Platinum Elite status, and an annual free night certificate that can help offset the annual fee. Additional perks like the fourth reward night free and travel protections further boost its long-term value for loyal travelers. It’s best for travelers who regularly stay at IHG properties and can consistently use the free night and elite benefits. Those who prefer flexible travel rewards, stay with multiple hotel brands, or won’t fully use the annual perks may find better value with a general travel card.
IHG One Rewards Premier
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Annual fee:
$99
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.24% - 27.74% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn up to 26X points at IHG® Hotels & Resorts: 10X points with the IHG One Rewards Premier Card + up to 10X points as an IHG One Rewards member + up to 6X point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember. Earn 5X points on travel, dining, and gas, plus 3X points on all other purchases.
3x - 10x Points
Welcome Offer Earn 150,000 bonus points after spending $3,000 in the first three months. Plus, earn **35,000 bonus points** after spending a total of $6,000 in the first six months.
185,000 Points
Welcome offer
- Limited-Time Offer:
- Earn 150,000 bonus points after spending $3,000 in the first three months.
- Plus, earn 35,000 bonus points after spending a total of $6,000 in the fist six months.
Rewards
- Up to 26X Points at IHG® Hotels and Resorts: 10X points with the IHG One Rewards Premier Card + up to 10X points as an IHG One Rewards member + up to 6X point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
- 5X Points Categories:
- Gas Stations
- Dining
- Travel
- 3X Points on all other purchases.
- 20% Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Premier credit card.
Redemption Options
- Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
- Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.
Fees and APR
- Annual Fee: $99.
- Regular APR: 19.24% - 27.74% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Annual Credits & Statement Credits
- Anniversary Free Night: Receive a free night each account anniversary (up to 40,000 points), with the option to top off using additional IHG One Rewards points for higher-value stays.
- Annual Spending Bonus: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 in purchases each calendar year.
- Up to $120 Global Entry, TSA PreCheck®, or NEXUS Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry®, TSA PreCheck®, or NEXUS application fee.
Travel Benefits
- Early Access to IHG Reward Night Sales: Get early access to IHG One Rewards Reward Night sales each year as a cardmember.
- Up to $50 United® Airlines TravelBank Cash: Get up to $50 in United® TravelBank cash each calendar year after registering your card with your MileagePlus® account.
Hotel Elite Status
- IHG One Rewards Platinum Elite Status: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.
- Diamond Elite Status: Earn Diamond Elite status when you spend $40,000 in a calendar year, valid through December 31 of the following year.
Travel Protections
- Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
- Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- Trip Cancellation & Interruption Insurance: Get reimbursed up to $5,000 per person and $10,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
Purchase Protections
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per year.
Lifestyle Perks
- DashPass Membership (DoorDash & Caviar): Get complimentary DashPass membership (a $120 value for 12 months), which gives you $0 delivery fees and lower service fees on eligible orders. Activate by December 31, 2027 to enjoy at least one year of benefits.
- Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
Related Cards
- Business owners: If you’re looking to earn IHG rewards on business expenses, consider the IHG One Rewards Premier Business Credit Card, which offers similar hotel perks plus business-friendly features.