IHG One Rewards Premier Select
Chase$350 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
200,000points
after $5,000 in purchases in the first 3 months
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values; a gated item counts only if its condition is met.
| First-year value | Amount |
|---|---|
| Welcome bonus200,000 points at 0.59¢ | $1,180 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$86 |
| Credits you'll likely useof $770 face value | +$310 |
| IHG One Rewards free nightEarned after $40,000 in card spend in a calendar year | $0 |
| Annual fee | −$350 |
| Meeting the $5,000 minimumearns 1.77% here vs 2% on Double Cash | −$11 |
| First year | $1,215 |
| Each year after | +$596 |
Not counted in the first year: status, anniversary free nights and other benefits (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 6X | Dining | 3.5% |
| 6X | Travelexcluding IHG | 3.5% |
| 12X | IHG purchases | 7.1% |
| 3X | Everything else | 1.8% |
Noteworthy perks
- IHG One Rewards free nightArrives on your card anniversary, after the first year
- Airline Credit$200 a year
- IHG One Rewards Platinum
- IHG Food & Beverage Credit$300 a year
Personal card · Earns IHG One Rewards
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (6)
- IHG Food & Beverage Credit: $75 (Quarterly)
Up to $300 per year, issued as a $75 credit each quarter for eligible IHG food and beverage charges. Each quarterly reward expires at the end of that quarter if unused.
- Airline Credit: $200 (Annual Calendar Year)
One $200 statement credit per calendar year after a single $250+ purchase directly with an airline. Available through 12/31/27; Chase confirmed it may be earned once in 2026 and once in 2027.
- United TravelBank Cash: $25 (Semi Annual Calendar Year)
After linking the card with a United MileagePlus account, receive $25 in TravelBank Cash twice per year.
- Global Entry/TSA PreCheck/NEXUS: $120 (Every 4 Years)
Up to $120 toward a Global Entry, TSA PreCheck, or NEXUS statement credit.
- 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
Monthly coupon on Instacart orders with active Instacart+ membership (activate by 12/31/27; coupons end 12/31/27)
Elite status (5)
- IHG One Rewards: Platinum
- IHG One Rewards: Diamond
- IHG One Rewards: 20 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
Other Perks
- Fourth night free on award stays
- 30% discount on IHG points purchases at full price
- Complimentary Instacart+ for 3 months (activate by 12/31/27)
- Complimentary DoorDash DashPass (activate by 12/31/27)
- 20,000 bonus points after $15,000 in calendar-year spend
- Free night certificate redeemable up to 60,000 points, with point top-ups, after $40,000 in calendar-year spend
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 null to IHG Premier SelectOct 8, 2026
- addedOct 1, 2026