{"id":22487,"date":"2026-10-03T12:10:10","date_gmt":"2026-10-03T12:10:10","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=22487"},"modified":"2026-10-05T23:57:43","modified_gmt":"2026-10-05T23:57:43","slug":"ihg-premier-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-premier-card\/","title":{"rendered":"IHG One Rewards Premier Card Review: Refreshed Benefits That Easily Outweigh the Annual Fee"},"content":{"rendered":"<p>The <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Credit Card<\/a> (<a data-ccid=\"4048106\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005138&type=3&u1=9245c16d2ab3e51da8d7d021cb262979&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is a solid hotel card with valuable benefits for anyone who stays with IHG at least a couple of times each year. Chase has just <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/new-ihg-card-lineup\/\" rel=\"noopener\">overhauled the entire IHG card portfolio<\/a>, making it a great time to apply.<\/p>\n<p>New cardmembers can earn 180,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. Plus, you can earn 10,000 bonus points after you add an authorized user within the first three months of account opening.<\/p>\n<p>However, this card's value goes beyond its welcome bonus. With automatic elite status and a fourth reward night free on award stays, the IHG One Rewards Premier Card helps you get more value from every stay while enjoying elevated benefits along the way.<\/p>\n<p>Although the annual fee recently increased to $150, the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> includes a ton of credits that can offset that fee \u2014 and then some. In this post, we'll break down the ongoing benefits to help you decide whether the IHG One Rewards Premier Card fits your upcoming travel goals and deserves a place in your wallet.<\/p>\n<div class=\"qs-card\" data-id=\"4048106\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The New IHG One Rewards Premier Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/b43ce99d-b8db-4c0c-92d8-638b8781a58d.png\" width=\"150\" alt=\"IHG One Rewards Premier Credit Card\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='IHG One Rewards Premier Credit Card' data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048106\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005138&type=3&u1=9245c16d2ab3e51da8d7d021cb262979&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Limited Time Launch Offer!<\/strong>\r\nEarn 180,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The New IHG One Rewards Premier Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Limited Time Launch Offer!<\/strong>\r\nEarn 180,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">IHG One Rewards Premier Credit Card is packed with benefits for IHG fans, and we rate it one of the best co-brand hotel cards you can have in your wallet. Cardholders earn up to 24X points per $1 at IHG properties (including points multipliers from your elite status), 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores, and restaurants, and 3X points on all other purchases. The card also offers a valuable Anniversary Free Night each year, and a fourth Reward Night free when redeeming points for a stay of four or more nights. Additional perks include a 30% discount on point purchases, no foreign transaction fees, comprehensive travel and purchase protections, and a Global Entry, TSA PreCheck, or NEXUS credit every four years.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Limited Time Launch Offer! Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.<\/li><li>Earn up to 24X total points on stays at IHG Hotels & Resorts<\/li><li>Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases.<\/li><li>Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.<\/li><li>NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.<\/li><li>This card offers over $700 in value your first year!<\/li><li>Automatic Gold Elite Status as long as you remain an IHG One Rewards Premier cardmember. Plus, get 15 Elite Night Credits each year (new!).<\/li><li>IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental&#xAE;, Kimpton&#xAE;, Hotel Indigo&#xAE;, Crowne Plaza&#xAE;, EVEN&#xAE; Hotels, & Holiday Inn&#xAE;<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn up to 24X points total per $1 spent when you stay at IHG Hotels & Resorts<\/li>\r\n<li>5X points per $1 spent on flights booked directly, car rental agencies, at gas stations, grocery stores, and restaurants<\/li>\r\n<li>3X points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<br>\r\nThe earning for spending at IHG hotels breaks down as follows:\r\n<ul>\r\n<li>Earn 10X points for being a IHG One Rewards Premier Card member<\/li>\r\n<li>Earn up to 4X points from IHG<sup>\u00ae<\/sup> with Gold Elite Status, a benefit of having this card<\/li>\r\n<li>Earn up to 10X points from IHG<sup>\u00ae<\/sup> for being an IHG<sup>\u00ae<\/sup> One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG<sup>\u00ae<\/sup> loyalty program)<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/IHGPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-11-5b7d7776a#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"IHG_Premier_Card_Pros\">IHG Premier Card Pros<\/span><\/h2>\n<ul>\n<li>Complimentary IHG Gold Elite status.<\/li>\n<li>Receive an annual free night certificate on each account anniversary.<\/li>\n<li>Fourth-night-free benefit on award stays.<\/li>\n<li>Up to $100 in annual Food and Beverage Rewards at IHG Hotels<\/li>\n<li>Earn a $100 airline credit when you spend $250+ directly with airlines<\/li>\n<li>Clear path for higher elite status through automatic and earned Elite Night Credits<\/li>\n<\/ul>\n<h2><span id=\"IHG_Premier_Card_Cons\">IHG Premier Card Cons<\/span><\/h2>\n<ul>\n<li>IHG points aren't as valuable as some other hotel points.<\/li>\n<li>$150 annual fee, which was recently increased.<\/li>\n<li>The 30% discount on points purchases does not stack with IHG buy points promotions.<\/li>\n<\/ul>\n<figure id=\"attachment_187177\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-187177 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Iberostar-IHG-JOIA-Rose-Hall-Featured.png\" alt=\"Aerial view of the pools at the JOIA Rose Hall by Iberostar\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Iberostar-IHG-JOIA-Rose-Hall-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Iberostar-IHG-JOIA-Rose-Hall-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Iberostar-IHG-JOIA-Rose-Hall-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Iberostar-IHG-JOIA-Rose-Hall-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>JOIA Rose Hall by Iberostar. Credit: Iberostar<\/em><\/enter><\/figure>\n<h2><span id=\"IHG_One_Rewards_Premier_Card_Welcome_Offer\">IHG One Rewards Premier Card Welcome Offer<\/span><\/h2>\n<p>New cardholders of the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> can earn 180,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/point-mile-values\" rel=\"noopener\">Recent AwardWallet user redemptions put the value of IHG points<\/a> in the middle of the hotel points pack at 0.69\u00a2 per point, making this welcome offer worth around $1,240.<\/p>\n<p>Plus, you can earn 10,000 bonus points after you add an authorized user within the first three months from account opening.<\/p>\n<h2><span id=\"IHG_Premier_Card_Benefits\">IHG Premier Card Benefits<\/span><\/h2>\n<p>The <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> comes packed with updated perks that can easily offset its annual fee for frequent travelers, from automatic elite status to a free night certificate on your card anniversary. Here's an overview of the benefits.<\/p>\n<h3><span id=\"Anniversary_free_night\">Anniversary free night<\/span><\/h3>\n<p>You can redeem the IHG One Rewards Premier Card <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-free-night-certificate\/\" rel=\"noopener\">Free Night Award<\/a> at hotels costing up to 50,000 points per night. You can also top off the certificate with points from your IHG account to book stays that exceed the 50,000-point cap.<\/p>\n<p>This added flexibility makes the IHG free night certificate significantly more valuable, since it can be used at a much wider range of properties across the IHG portfolio when combined with additional points.<\/p>\n<p>Just keep in mind that the reward night stay must be booked and completed within 12 months of the certificate's issue date. You\u2019re also responsible for any incidental charges, including parking fees, as well as mandatory resort fees at properties where they apply.<\/p>\n<h3><span id=\"Automatic_IHG_Gold_Elite_status\">Automatic IHG Gold Elite status<\/span><\/h3>\n<p>While <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/ihg-elite-status\/\" rel=\"noopener\">IHG elite status<\/a> doesn't have quite the same luster as some other hotel rewards programs, IHG Gold Elite status members receive 40% bonus points on paid stays and rollover nights toward next year\u2019s status. Plus, holding elite status ensures your <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/do-ihg-points-expire\/\" rel=\"noopener\">IHG One Rewards points won\u2019t expire<\/a>.<\/p>\n<figure id=\"attachment_196115\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/450\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-196115 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/kimpton-theta.png\" alt=\"A photo shows the rooftop bar at the Kimpton Theta Times Square.\" width=\"600\" height=\"450\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/kimpton-theta.png 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/kimpton-theta-300x225.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/kimpton-theta-276x207.png 276w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/kimpton-theta-476x357.png 476w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Rooftop bar at the Kimpton Theta in Times Square. Screenshot of IHG<\/em><\/enter><\/figure>\n<h3><span id=\"Earn_IHG_Platinum_and_Diamond_Elite_status_via_spending\">Earn IHG Platinum and Diamond Elite status via spending<\/span><\/h3>\n<p>You can spend $15,000 in a calendar year to earn <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/ihg-platinum-elite\/\" rel=\"noopener\">IHG Platinum Elite status<\/a>. Platinum members receive a 60% bonus points on paid stays, rollover nights toward next year\u2019s status, complimentary room upgrades (subject to availability), and a welcome amenity at check-in.<\/p>\n<p>Spending $40,000 in a calendar year gets you top-tier Diamond Elite status, opening the door to premium perks like a choice of free breakfast, better upgrades, and 100% bonus points on paid stays.<\/p>\n<h3><span id=\"Head_start_toward_status\">Head start toward status<\/span><\/h3>\n<p>New cardholders will receive 15 Elite Night Credits when they open an account and again at the start of each calendar year, giving them a head start toward a <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/ihg-milestone-rewards\/\" rel=\"noopener\">Milestone Reward<\/a> and their next status tier.<\/p>\n<p>Likewise, earn 2 Elite Night Credits for every $5,000 spent on purchases with your <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a>. Plus, cardholders earn five bonus Elite Night Credits after spending $15,000 on purchases each calendar year.<\/p>\n<p>These bonus nights for spending on the card are nice, but remember that $15,000 of spend gets you IHG Platinum Elite status anyway, so these bonuses may not be as necessary.<\/p>\n<h3><span id=\"Fourth_night_free_on_award_stays\">Fourth night free on award stays<\/span><\/h3>\n<p>Cardholders of the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> receive a <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/ihg-4th-night-free\/\" rel=\"noopener\">fourth night free<\/a> on all award bookings of four or more consecutive nights. What's more, IHG Fourth Night Free is included automatically at the time of booking, rather than offered as a rebate. Therefore, you'll only require enough points for three nights in your account to take advantage of this benefit.<\/p>\n<h3><span id=\"30_discount_on_points_purchases\">30% discount on points purchases<\/span><\/h3>\n<p>Cardholders can purchase IHG One Rewards points at a 30% discount, bringing the everyday purchase rate down to as low as 0.7 cents per point. However, this benefit applies only to standard purchase pricing and can\u2019t be combined with promotions, such as IHG\u2019s frequent offers to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/buy-ihg-points\/\" rel=\"noopener\">buy IHG points<\/a> with up to a 100% bonus.<\/p>\n<p>By combining the ability to regularly purchase IHG points at a 30% discount with a fourth night free, you can easily save money on award nights, even when you're low on points.<\/p>\n<figure id=\"attachment_182020\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-182020 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/InterContinental-Beijing-Beichen-IHG-Featured.png\" alt=\"Exterior of the InterContinental Beijing Beichen at dusk.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/InterContinental-Beijing-Beichen-IHG-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/InterContinental-Beijing-Beichen-IHG-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/InterContinental-Beijing-Beichen-IHG-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/InterContinental-Beijing-Beichen-IHG-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>InterContinental Beijing Beichen. Screenshot of IHG<\/em><\/enter><\/figure>\n<h3><span id=\"Global_Entry_TSA_PreCheck_or_NEXUS_statement_credit\">Global Entry, TSA PreCheck, or NEXUS statement credit<\/span><\/h3>\n<p>If you already have a card that offers a Global Entry or TSA PreCheck credit, this perk may not add much value, though you can still use it to cover a family member\u2019s application fee by charging it to your card. The <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> provides a statement credit for a Global Entry, TSA PreCheck, or NEXUS application fee (up to $120 in value) every four years.<\/p>\n<h3><span id=\"Earn_15000_bonus_points\">Earn 15,000 bonus points<\/span><\/h3>\n<p>IHG cardholders can earn 15,000 bonus points after spending $15,000 on the card each year. While this card isn't one of the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">best everyday spending cards<\/a>, this spending threshold bonus makes it more appealing to use the card.<\/p>\n<h3><span id=\"Earn_50_United_TravelBank_Cash\">Earn $50 United<sup>\u00ae<\/sup> TravelBank Cash<\/span><\/h3>\n<p><a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> holders can receive $50 in United TravelBank credit each year after registering their card with their MileagePlus account. This will be credited to your TravelBank account as $25 around January 5 and July 5 each year.<\/p>\n<p>Deposits made between January 1 and June 30 will expire on July 15 of the same calendar year, regardless of deposit date. Deposits made between July 1 and December 31 will expire on January 15 of the following calendar year, regardless of deposit date.<\/p>\n<p>Registration is required, but only one time.<\/p>\n<h3><span id=\"100_airline_statement_credit\">$100 airline statement credit<\/span><\/h3>\n<p>Get a $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through <strong>December 31, 2027<\/strong>.<\/p>\n<h3><span id=\"100_in_annual_food_and_beverage_rewards_at_IHG_Hotels\">$100 in annual food and beverage rewards at IHG Hotels<\/span><\/h3>\n<p>You will receive one $25 <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/food-and-beverage-rewards\/\" rel=\"noopener\">Food and Beverage Rewards voucher<\/a> each calendar quarter, up to $100 per calendar year. These vouchers can be redeemed for credit against eligible food and beverage on your room bill at participating IHG Hotels & Resorts.<\/p>\n<p>Each $25 voucher will be automatically posted each quarter in your Member\u2019s Rewards wallet.<\/p>\n<h3><span id=\"Complimentary_DashPass_membership_and_promotion\">Complimentary DashPass membership and promotion<\/span><\/h3>\n<p>Cardholders get a one-year complimentary DashPass membership, which provides $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. This benefit must be activated by <strong>December 31, 2027<\/strong>.<\/p>\n<p>You also get up to $10 off monthly on non-restaurant DoorDash purchases. This goes through December 31, 2027, as long as you remain enrolled in your Chase DashPass membership.<\/p>\n<h3><span id=\"Instacart_Membership_and_benefits\">Instacart+ Membership and benefits<\/span><\/h3>\n<p>Get a complimentary Instacart+ Membership for three months, including $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at 25% off the annual rate.<\/p>\n<p>Also receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your card. Both of these Instacart benefits end December 31, 2027.<\/p>\n<h3><span id=\"Travel_and_purchase_protections\">Travel and purchase protections<\/span><\/h3>\n<ul>\n<li><strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/baggage-delay-insurance\/\" rel=\"noopener\">Baggage delay insurance<\/a>: <\/strong>Get reimbursed up to $100 a day for three days for essentials when your bag is delayed by more than six hours.<\/li>\n<li><strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/baggage-loss-insurance\/\" rel=\"noopener\">Lost luggage reimbursement<\/a>: <\/strong>Coverage up to $3,000 per traveler for the cost to repair or replace lost or damaged baggage.<\/li>\n<li><strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/trip-cancellation-insurance\/\" rel=\"noopener\">Trip cancellation and interruption insurance<\/a>: <\/strong>Get reimbursed up to $5,000 per traveler and $10,000 per trip for non-refundable travel expenses if your trip is cut short for a covered reason.<\/li>\n<li><strong><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protection<\/a>: <\/strong>Coverage against theft or damage for up to 120 days, up to $500 per item.<\/li>\n<\/ul>\n<p>Check your guide to benefits for specific information.<\/p>\n<h2><span id=\"IHG_One_Rewards_Premier_Card_Earning_Rates\">IHG One Rewards Premier Card Earning Rates<\/span><\/h2>\n<p>Factoring in card spending rates and elite bonuses, cardholders of the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> will earn up to 24 total points per $1 spent when staying at an IHG hotel, which breaks down to:<\/p>\n<ul>\n<li><strong>10X points for being an IHG One Rewards member<\/strong> at most hotels (5X at Staybridge Suites and Candlewood Suites)<\/li>\n<li><strong>4X bonus points with IHG Gold Elite Status<\/strong> \u2014 a benefit of having this card<\/li>\n<li><strong>10X points through spending<\/strong> on the IHG One Rewards Premier Card<\/li>\n<\/ul>\n<p>Cardholders also earn:<\/p>\n<ul>\n<li>5X points per $1 spent on purchases on flights booked directly, car rentals, dining, grocery stores, and gas stations.\n<ul>\n<li>Note that you will earn 5X points on <em>all travel purchases<\/em> through December 31, 2026. After that date, flights booked directly and car rentals will continue to earn 5X while other travel purchases will earn 3X points.<\/li>\n<\/ul>\n<\/li>\n<li>3X points per $1 spent on all other purchases<\/li>\n<\/ul>\n<p>The earnings for spending at IHG hotels can be a bit deceiving if you're comparing head-to-head with other cards. All IHG One Rewards members earn 10X on stays. But, particularly if you don't otherwise earn IHG status, the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> does actually add 14X <em>more<\/em> earnings &#8212; 10X from spending on the card and another 4X from the Gold Elite status that comes with the card.<\/p>\n<p>Plus, you won't pay foreign transaction fees when you use this card abroad.<\/p>\n<h2><span id=\"Redeeming_Points_With_the_IHG_One_Rewards_Premier_Card\">Redeeming Points With the IHG One Rewards Premier Card<\/span><\/h2>\n<h3><span id=\"Reward_nights\">Reward nights<\/span><\/h3>\n<p>IHG One Rewards points are deposited directly into your account, making it easy to redeem points for free nights across IHG\u2019s global portfolio of properties. The card\u2019s fourth-night-free benefit and annual free night reward (up to 50,000 points) help stretch your points further, whether for longer stays or special trips. You can also combine points with cash if you\u2019re a little short, and take advantage of IHG\u2019s dynamic pricing; modifying a booking when the points rate drops lets you get points back and maximize their value.<\/p>\n<p>For fancy vacations, use rewards <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/best-luxury-ihg-redemptions\/\" rel=\"noopener\">to book nights at one of these luxury properties<\/a>. Alternatively, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/best-budget-ihg-redemptions\/\" rel=\"noopener\">use your IHG points<\/a> for family travel at one of the thousands of Holiday Inn and Holiday Inn Express hotels worldwide.<\/p>\n<h3><span id=\"Airline_partners\">Airline partners<\/span><\/h3>\n<p>You won't hear many people talking about transferring IHG points to <a target=\"_blank\" href=\"https:\/\/www.ihg.com\/onerewards\/content\/us\/en\/earn-rewards\/miles?scmisc=OSMAM-6C-GLO-EN-IHGRRedeem-AirlineMiles\" rel=\"noopener\">one of IHG's nearly 40 airline partners<\/a>, including American Airlines, Delta Air Lines, and United Airlines. And the reason is the modest 5:1 transfer rate for most partners. Still, if you need a few extra airline miles, have a small IHG points balance, or have points that are about to expire, it's good to know you have an option.<\/p>\n<h3><span id=\"Other_ways_to_redeem_IHG_One_Rewards\">Other ways to redeem IHG One Rewards<\/span><\/h3>\n<p>You typically won't get great value from these lesser-known redemptions, but IHG offers even more ways to use your points. Use your IHG rewards to enhance a trip through experiences or to gain exclusive VIP access at participating events. You can also shop through IHG's catalog, donate your points, purchase magazines, and more.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Since the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> is issued by Chase, there are a few rules you need to know about. First, the card is subject to the <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">5\/24 policy<\/a>, meaning you won't be approved if you've opened five or more cards in the previous 24 months, based on what's showing on your credit report.<\/p>\n<p>Moreover, you'll see these terms on the application page:<\/p>\n<blockquote><p><em>This credit card is not available to either (i) current cardmembers of any personal IHG One Rewards Credit Card, or (ii) previous cardmembers of any personal IHG One Rewards Credit Card who received a new cardmember bonus for any personal IHG One Rewards Credit Card within the last 24 months. <\/em><\/p><\/blockquote>\n<p>Therefore, if you have another IHG One Rewards credit card right now or received a welcome bonus on one in the past 24 months, you won't be eligible for this card. Also, if you've opened two credit cards with Chase in the past 30 days, you're unlikely to be approved for another.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cardholders_Who_Applied_Before_September_30_2026\">Cardholders Who Applied Before September 30, 2026<\/span><\/h2>\n<p>All of the benefits and perks of the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> above apply to new cardholders, so how will the changes and perks affect those who currently have the card? According to Chase, the updated annual fee will take effect on their 2027 annual fee assessment date.<\/p>\n<p>Many new and enhanced benefits took effect on October 1, 2026, while some have specific timing or eligibility requirements, and cardmembers will be notified directly with details. If you previously got Platinum Elite status through the IHG One Rewards Premier Card, you will keep it through December 31, 2027. After that, you will enjoy ongoing Gold Elite status.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_IHG_Premier_Card\">Cards That Compete With the IHG Premier Card<\/span><\/h2>\n<p>Before settling on the <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a>, you may find it helpful to compare the card against some of its top competitors:<\/p>\n<ul>\n<li><strong>If you want an IHG card with no annual fee,<\/strong> consider the <a data-ccid=\"4048176\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-traveler-card\/\">IHG One Rewards Credit Card<\/a>. You'll earn a generous welcome bonus with a lower minimum spending requirement, still enjoy the fourth-night free benefit (with a $5,000 spending requirement beginning in 2027), and won't pay an annual fee. While the IHG One Rewards Card doesn't come with an annual free night, it offers no foreign transaction fees, automatic <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/hotels\/ihg-one-rewards\/silver-elite-benefits\/\" rel=\"noopener\">Silver Elite status<\/a>, and competitive earning rates at IHG properties.<\/li>\n<li><strong>If you want to earn points you can use with IHG and other rewards programs,<\/strong> the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> is one of our top picks. Transfer the Ultimate Rewards points you earn from this card to IHG, Hyatt, or Marriott, or book hotels through the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel\u2120 portal<\/a>. You'll also get a <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred-hotel-credit\/\" rel=\"noopener\">$100 annual Chase Travel hotel credit<\/a>, plus top-notch travel insurance and strong earning rates.<\/li>\n<li><strong>If you want a premium hotel card with a more valuable free night and higher-end perks,<\/strong> consider the IHG One Rewards Premier Select Credit Card. This card offers an annual free night award with a redemption cap up to 60,000 points, automatic Platinum Elite status, 20 Elite Night Credits each year (enough for your first milestone reward), and enough statement credits to easily offset the $350 annual fee.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ff5fe5a1-d182-4f2b-aee1-b85dad6c4295.png?w=210\" width=\"150\" alt=\"IHG One Rewards Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">IHG One Rewards Credit Card<\/div><div class=\"compare-offer\"><strong> Limited Time Launch Offer!<\/strong> Earn 125,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.\r\n<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='IHG One Rewards Credit Card' data-ccid=\"4048176\" data-exit=\"ccw\" href=\"\/blog\/link\/IHGRewardsClubTravelerCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048176\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005139&type=3&u1=b9702a71c70d1484d6730b0cf521d679&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Good\/Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn up to 17X points spent when you stay at IHG Hotels & Resorts<\/li>\r\n<li>3X points per $1 spent on dining, at grocery stores, and gas stations<\/li>\r\n<li>2X points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<br>\r\nThe earning for spending at IHG hotels breaks down as follows:\r\n<ul>\r\n<li>Earn 5X points for being a IHG One Rewards Card member<\/li>\r\n<li>Earn up to 2X points from IHG<sup>\u00ae<\/sup> with Silver Elite Status, a benefit of this Card<\/li>\r\n<li>Earn up to 10X points from IHG<sup>\u00ae<\/sup> for being an IHG<sup>\u00ae<\/sup> Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG<sup>\u00ae<\/sup> loyalty program)<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/bd8fe581-1873-494c-b3ff-360dd7831c7e.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0ba8a0f16441e1fa64ba2016ef4946588&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on gas and EV charging<\/li>\r\n<li>3X points on vacation homes at top brands like Airbnb, Vrbo and more<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/cca52fe3-e1d9-47e7-80dc-1b67e85e7f1f.png\" width=\"150\" alt=\"IHG One Rewards Premier Select Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">IHG One Rewards Premier Select Credit Card<\/div><div class=\"compare-offer\"><strong> Limited Time Launch Offer!<\/strong> Earn 200,000 bonus points after spending $5,000 in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='IHG One Rewards Premier Select Credit Card' data-ccid=\"5048407\" data-exit=\"ccw\" href=\"\/blog\/link\/IHGOneRewardsPremierSelectWorldEliteMastercard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$350<span class=\"compare-terms\"><a data-ccid=\"5048407\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=2125803.10006156&type=3&subid=e3c333094257cbed258de006a0a9e669&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn up to 28 points total per $1 spent when you stay at an IHG hotel<\/li>\r\n<li>6X points per $1 spent on dining and all other travel, including rideshare<\/li>\r\n<li>3X points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<br>\r\nThe earning for spending at IHG hotels breaks down as follows:\r\n<ul>\r\n<li>Earn 12X points for being an IHG One Rewards Premier Select Credit Card member<\/li>\r\n<li>Earn up to 6X points from IHG<sup>\u00ae<\/sup> with Platinum Elite Status, a benefit of having this card<\/li>\r\n<li>Earn up to 10X points from IHG<sup>\u00ae<\/sup> for being an IHG<sup>\u00ae<\/sup> One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG<sup>\u00ae<\/sup> loyalty program)<\/li>\r\n<ul><\/div><\/div><\/div>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" rel=\"noopener nofollow sponsored\">IHG One Rewards Premier Card<\/a> offers lots of value for IHG loyalists. If you stay with IHG at least once each year, the anniversary reward night should easily cover the card's ongoing $150 annual fee. Once you factor in the fourth night free on award bookings, the complimentary elite status, and the slew of credits, it's easy to justify keeping this card long term.<\/p>\n<p>Right now is an ideal time to add the IHG One Rewards Premier Card to your wallet and pick up 180,000 bonus points. That gives you plenty of time to test out the card's benefits \u2014 and lots of points to do it in style.<\/p>\n<div class=\"qs-card\" data-id=\"4048106\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The New IHG One Rewards Premier Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/b43ce99d-b8db-4c0c-92d8-638b8781a58d.png\" width=\"150\" alt=\"IHG One Rewards Premier Credit Card\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='IHG One Rewards Premier Credit Card' data-ccid=\"4048106\" href=\"\/blog\/link\/IHGRewardsClubPremierCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048106\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005138&type=3&u1=9245c16d2ab3e51da8d7d021cb262979&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Limited Time Launch Offer!<\/strong>\r\nEarn 180,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The New IHG One Rewards Premier Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Limited Time Launch Offer!<\/strong>\r\nEarn 180,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">IHG One Rewards Premier Credit Card is packed with benefits for IHG fans, and we rate it one of the best co-brand hotel cards you can have in your wallet. Cardholders earn up to 24X points per $1 at IHG properties (including points multipliers from your elite status), 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores, and restaurants, and 3X points on all other purchases. The card also offers a valuable Anniversary Free Night each year, and a fourth Reward Night free when redeeming points for a stay of four or more nights. Additional perks include a 30% discount on point purchases, no foreign transaction fees, comprehensive travel and purchase protections, and a Global Entry, TSA PreCheck, or NEXUS credit every four years.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Limited Time Launch Offer! Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.<\/li><li>Earn up to 24X total points on stays at IHG Hotels & Resorts<\/li><li>Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases.<\/li><li>Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.<\/li><li>NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.<\/li><li>This card offers over $700 in value your first year!<\/li><li>Automatic Gold Elite Status as long as you remain an IHG One Rewards Premier cardmember. Plus, get 15 Elite Night Credits each year (new!).<\/li><li>IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental&#xAE;, Kimpton&#xAE;, Hotel Indigo&#xAE;, Crowne Plaza&#xAE;, EVEN&#xAE; Hotels, & Holiday Inn&#xAE;<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn up to 24X points total per $1 spent when you stay at IHG Hotels & Resorts<\/li>\r\n<li>5X points per $1 spent on flights booked directly, car rental agencies, at gas stations, grocery stores, and restaurants<\/li>\r\n<li>3X points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<br>\r\nThe earning for spending at IHG hotels breaks down as follows:\r\n<ul>\r\n<li>Earn 10X points for being a IHG One Rewards Premier Card member<\/li>\r\n<li>Earn up to 4X points from IHG<sup>\u00ae<\/sup> with Gold Elite Status, a benefit of having this card<\/li>\r\n<li>Earn up to 10X points from IHG<sup>\u00ae<\/sup> for being an IHG<sup>\u00ae<\/sup> One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG<sup>\u00ae<\/sup> loyalty program)<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/IHGPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-11-5b7d7776a#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#IHG_Premier_Card_Pros\">IHG Premier Card Pros<\/a><\/li><li><a href=\"#IHG_Premier_Card_Cons\">IHG Premier Card Cons<\/a><\/li><li><a href=\"#IHG_One_Rewards_Premier_Card_Welcome_Offer\">IHG One Rewards Premier Card Welcome Offer<\/a><\/li><li><a href=\"#IHG_Premier_Card_Benefits\">IHG Premier Card Benefits<\/a><ul><li><a href=\"#Anniversary_free_night\">Anniversary free night<\/a><\/li><li><a href=\"#Automatic_IHG_Gold_Elite_status\">Automatic IHG Gold Elite status<\/a><\/li><li><a href=\"#Earn_IHG_Platinum_and_Diamond_Elite_status_via_spending\">Earn IHG Platinum and Diamond Elite status via spending<\/a><\/li><li><a href=\"#Head_start_toward_status\">Head start toward status<\/a><\/li><li><a href=\"#Fourth_night_free_on_award_stays\">Fourth night free on award stays<\/a><\/li><li><a href=\"#30_discount_on_points_purchases\">30% discount on points purchases<\/a><\/li><li><a href=\"#Global_Entry_TSA_PreCheck_or_NEXUS_statement_credit\">Global Entry, TSA PreCheck, or NEXUS statement credit<\/a><\/li><li><a href=\"#Earn_15000_bonus_points\">Earn 15,000 bonus points<\/a><\/li><li><a href=\"#Earn_50_United_TravelBank_Cash\">Earn $50 United<sup>\u00ae<\/sup> TravelBank Cash<\/a><\/li><li><a href=\"#100_airline_statement_credit\">$100 airline statement credit<\/a><\/li><li><a href=\"#100_in_annual_food_and_beverage_rewards_at_IHG_Hotels\">$100 in annual food and beverage rewards at IHG Hotels<\/a><\/li><li><a href=\"#Complimentary_DashPass_membership_and_promotion\">Complimentary DashPass membership and promotion<\/a><\/li><li><a href=\"#Instacart_Membership_and_benefits\">Instacart+ Membership and benefits<\/a><\/li><li><a href=\"#Travel_and_purchase_protections\">Travel and purchase protections<\/a><\/li><\/ul><\/li><li><a href=\"#IHG_One_Rewards_Premier_Card_Earning_Rates\">IHG One Rewards Premier Card Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_IHG_One_Rewards_Premier_Card\">Redeeming Points With the IHG One Rewards Premier Card<\/a><ul><li><a href=\"#Reward_nights\">Reward nights<\/a><\/li><li><a href=\"#Airline_partners\">Airline partners<\/a><\/li><li><a href=\"#Other_ways_to_redeem_IHG_One_Rewards\">Other ways to redeem IHG One Rewards<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cardholders_Who_Applied_Before_September_30_2026\">Cardholders Who Applied Before September 30, 2026<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_IHG_Premier_Card\">Cards That Compete With the IHG Premier Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The IHG One Rewards Premier Credit Card is one of three IHG co-branded cards from Chase. This card offers increased earning capabilities and some excellent perks, such as automatic Gold Elite status, and the free night alone is worth the annual fee each year. Does this card deserve a spot in your wallet? Let&#8217;s take a look at the details.<\/p>\n","protected":false},"author":94,"featured_media":150556,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_bluesky_share_type":"","_mastodon_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"","timeOption":"","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":""},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12786,12700],"coauthors":[36490,36458],"class_list":["post-22487","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-chase","tag-ihg-one-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/22487","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/94"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=22487"}],"version-history":[{"count":99,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/22487\/revisions"}],"predecessor-version":[{"id":280788,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/22487\/revisions\/280788"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=22487"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=22487"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=22487"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=22487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}