IHG One Rewards Premier
Chase$150 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A good time to apply if the card fits: the offer beats most of its own record.
Already have it? Keep it.
Cardholders who had this card before 10/01/26 keep automatic Platinum Elite status through 12/31/2027. Cards opened on or after 10/01/26 get automatic Gold Elite status, with Platinum after $15,000 in calendar-year spend. The figures on this page are what a new applicant gets today.
Welcome bonus
180,000points
after $3,000 in purchases in the first 3 months
Better than most offers on record since 2020.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus180,000 points at 0.59¢ | $1,062 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$147 |
| Credits you'll likely useof $470 face value | +$190 |
| Annual fee | −$150 |
| Meeting the $3,000 minimumearns 1.77% here vs 2% on Double Cash | −$7 |
| First year | $1,242 |
| Each year after | +$687 |
Not counted in the first year: status, anniversary free nights, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Grocery stores | 2.9% |
| 5X | Dining | 2.9% |
| 5X | Gas Stations | 2.9% |
| 5X | Travel | 2.9% |
| 3X | Everything else | 1.8% |
+ 3 more rates
| Rate | Category | Return |
|---|---|---|
| 5X | Flights booked directly | 2.9% |
| 10X | IHG purchases | 5.9% |
| 5X | Car rentals | 2.9% |
Noteworthy perks
- IHG One Rewards free nightArrives on your card anniversary, after the first year
- Airline Flight Purchase$100 a year
- Fourth night free on award stays
- Instacart$120 a year
Personal card · Earns IHG One Rewards
Benefits
Credits & Perks (6)
- IHG Food & Beverage Credit: $25 (Quarterly)
IHG food and beverage reward issued each quarter; expires at the end of that quarter if unused.
- Airline Flight Purchase: $100 (Annual Calendar Year)
Statement credit after a single direct airline flight-ticket purchase of $250 or more; available once in 2026 and once in 2027, through 12/31/27.
- United TravelBank Cash: $25 (Semi Annual Calendar Year)
Two $25 deposits per calendar year (around January 1 and July 1). Deposits expire after 6.5 months. One-time registration required
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
$10 Instacart coupon every month with an active Instacart+ membership through December 31, 2027
Elite status (6)
- IHG One Rewards: Gold
- IHG One Rewards: Platinum
- IHG One Rewards: Diamond
- IHG One Rewards: 15 elite night credits each year for being a cardholder
- IHG One Rewards: 2 elite night credits for every $5,000 spent
- IHG One Rewards: 5 additional elite night credits after $15,000 in calendar-year spend
Protections (7)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for accidental death or dismemberment when transportation is charged to card
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses
- Baggage Delay, up to $300, Up to $100 per day for up to 3 days for essential purchases when baggage is delayed over 6 hours
- Lost Luggage, up to $3,000, Up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage
- Purchase Protection, up to $500, 120 days coverage for theft/damage up to $500 per item
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for theft and collision damage on rental vehicles in the U.S.
Other Perks
- Anniversary night certificate (up to 40K points but can be topped up with additional points)
- Fourth night free on award stays
- 30% discount on points purchases
- Complimentary DoorDash DashPass for 12 months (enrollment required)
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
- 15K bonus points after $15K spend in a calendar year
- Early access to IHG Reward Night sales
The IHG One Rewards Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from 180K bonus points after spending $3K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening(Offer Expires 11/18/2026) to 180K bonus points after spending $3K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening (Offer Expires 11/18/2026)Oct 11, 2026
- changed from null to IHG PremierOct 8, 2026
- changed from IHG Premier; IHG Card; IHG One Rewards to IHG Premier; IHG CardOct 1, 2026
- changed from 99 to 150Oct 1, 2026
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- changed from Slug: ihg-one-rewards-traveler-credit-card; Tier: 1; Tier name: Traveler to Slug: ihg-one-rewards-traveler-credit-card; Tier: 1; Tier name: Traveler; Slug: ihg-one-rewards-premier-select-world-elite-mastercard; Tier: 3; Tier name: Premier SelectOct 1, 2026
- changed from 140K bonus points after spending $3K in the first 3 months from account opening to 180K bonus points after spending $3K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening(Offer Expires 11/18/2026)Oct 1, 2026
- changed from null to 2026-11-18Oct 1, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 90Aug 13, 2026