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The
Limited Time Launch Offer! Earn 200,000 Bonus Points after spending $5,000 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.
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 Select Credit Card helps frequent IHG travelers, thanks to elevated benefits along the way.
Plus, the IHG One Rewards Premier Select Card includes a ton of credits and an anniversary night that can offset the annual fee. Let's look at all the ongoing benefits to help you decide whether the IHG One Rewards Premier Select Card is right for you.
- Limited Time Launch Offer! Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.
- Enjoy up to $300 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
- This card offers over $1,000 in value your first year!
- 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.
- Earn up to 28X total points on stays at IHG Hotels & Resorts
- Earn 6X points on dining and all other travel, including rideshare. Earn 3X points per $1 spent on all other purchases.
- Automatic Platinum Elite status as long as you remain an IHG One Rewards Premier Select cardmember. Plus, get 20 Elite Night Credits each year.
- Earn 2 Elite Night Credits for every $5,000 you spend on your card.
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Kimpton®, Hotel Indigo®, Crowne Plaza®, EVEN® Hotels, & Holiday Inn®
- Member FDIC
- Earn up to 28 points total per $1 spent when you stay at an IHG hotel
- 6X points per $1 spent on dining and all other travel, including rideshare
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 12X points for being an IHG One Rewards Premier Select Credit Card member
- Earn up to 6X points from IHG® with Platinum Elite Status, a benefit of having this card
- Earn up to 10X points from IHG® for being an IHG® One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG®
loyalty program
IHG One Rewards Premier Select Card Pros
- Complimentary IHG Platinum Elite status.
- Receive an annual free night certificate on each account anniversary.
- Fourth-night-free benefit on award stays.
- Up to $300 in annual Food and Beverage Rewards at IHG Hotels.
- Earn a $200 airline credit when you spend $250+ directly with airlines.
- Clear path for higher elite status through automatic and earned Elite Night Credits.
IHG One Rewards Premier Select Card Cons
- IHG points aren't as valuable as some other hotel points.
- $350 annual fee.
- The 30% discount on points purchases does not stack with IHG buy points promotions.
IHG One Rewards Premier Select Card Benefits
The IHG One Rewards Premier Select Credit Card has a ton of perks to justify the hefty annual fee. Frequent IHG travelers will benefit from automatic elite status and a free night certificate on your card anniversary. Here's an overview of all the benefits.
Anniversary free night
After each anniversary, you will receive a Free Night Award. These IHG One Rewards Premier Select Card Free Night Awards can be redeemed at hotels costing up to 60,000 points per night. You can also top off the certificate with points from your IHG account to book stays that exceed the 60,000-point cap.
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.
Additionally, cardholders who spend $40,000 on purchases within a calendar year will earn another 60,000-point Free Night Award.
Reward night stays must be booked and completed within 12 months of the certificate's issue date.
Automatic IHG Platinum Elite status
While IHG elite status may not be as exciting as some other hotel rewards programs, IHG Platinum Elite status members have some tangible benefits. You can receive 60% bonus points on paid stays and rollover nights toward next year’s status.
Platinum Elites are also eligible for complimentary upgrades (subject to availability) and a welcome amenity at check-in. Plus, holding elite status ensures your IHG One Rewards points won’t expire.
Earn IHG Diamond Elite status via spending
You can spend $25,000 in a calendar year to earn top-tier IHG Diamond Elite status. On top of Platinum benefits, Diamond members receive a 100% bonus points on paid stays, better upgrades, and free breakfast at eligible properties.
Head start toward status
New cardholders will receive 20 Elite Night Credits when they open an account and again at the start of each calendar year, giving them enough for the first Milestone Reward and progress toward the next status tier.
Likewise, earn 2 Elite Night Credits for every $5,000 spent on purchases with your IHG One Rewards Premier Select Card. Plus, cardholders earn five bonus Elite Night Credits after spending $15,000 on purchases each calendar year.
These bonus nights for spending on the card are nice, but remember that $25,000 of spend gets you IHG Diamond Elite status anyway, so these bonuses may be most enticing for earning the various Milestone Rewards.
Fourth night free on award stays
Cardholders of the IHG One Rewards Premier Select Card receive a fourth night free 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.
30% discount on points purchases
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’t be combined with promotions, such as IHG’s frequent offers to buy IHG points with up to a 100% bonus.
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.
Global Entry, TSA PreCheck, or NEXUS statement credit
If you like skipping lines at the airport, the Global Entry or TSA PreCheck credit can add value. You can even use it to cover a family member’s application fee by charging it to your card. The IHG One Rewards Premier Select Card provides a statement credit for a Global Entry, TSA PreCheck, or NEXUS application fee (up to $120 in value) every four years.
Earn 20,000 bonus points
IHG One Rewards Premier Select Card cardholders can earn 20,000 bonus points after spending $15,000 on the card each calendar year. While this card isn't one of the best everyday spending cards, this spending threshold bonus makes it more appealing to use the card.
Earn $50 United® TravelBank Cash
IHG One Rewards Premier Select Card 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.
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.
Registration is required, but only one time.
$200 airline statement credit
Get a $200 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through December 31, 2027.
$300 in annual food and beverage rewards at IHG Hotels
You will receive one $75 Food and Beverage Rewards voucher each calendar quarter, up to $300 per calendar year. These vouchers can be redeemed for credit against eligible food and beverage on your room bill at participating IHG Hotels & Resorts.
Each $75 voucher will be automatically posted each quarter in your Member’s Rewards wallet. These may be harder to use, but if you frequently visit high-end IHG properties, charging food and beverage to your room can add up to big savings.
Complimentary DashPass membership and promotion
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 December 31, 2027.
You also get up to $10 each month on non-restaurant DoorDash purchases. This goes through December 31, 2027, as long as you remain enrolled in your Chase DashPass membership.
Instacart+ Membership and benefits
Get a complimentary Instacart+ Membership for three months, including $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at $99 per month.
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.
Travel and purchase protections
- Baggage delay insurance: Get reimbursed up to $100 a day for three days for essentials when your bag is delayed by more than six hours.
- Lost luggage reimbursement: Coverage up to $3,000 per traveler for the cost to repair or replace lost or damaged baggage.
- Trip cancellation and interruption insurance: 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.
- Purchase protection: Coverage against theft or damage for up to 120 days, up to $500 per item.
Check your guide to benefits for specific information.
IHG One Rewards Premier Select Card Earning Rates
The IHG One Rewards Premier Select Card has great earning potential, with up to 28 points per dollar on IHG stays and several other bonus categories. Here's the breakdown:
- Earn up to 28 points total per $1 spent when you stay at an IHG hotel
- 6X points per $1 spent on dining and all other travel, including rideshare
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 12X points for being an IHG One Rewards Premier Select Credit Card member
- Earn up to 6X points from IHG® with Platinum Elite Status, a benefit of having this card
- Earn up to 10X points from IHG® for being an IHG® One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
- If you want an IHG card with no annual fee, consider the IHG One Rewards Credit Card. 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 Silver Elite status, and competitive earning rates at IHG properties. See our full review here.
- If you want to earn points you can use with IHG and other rewards programs, the Chase Sapphire Preferred® Card 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 Chase Travel℠ portal. You'll also get a $100 annual Chase Travel hotel credit, plus top-notch travel insurance and strong earning rates. Check out all the details here.
- If you want an IHG hotel card with valuable perks and a lower annual fee, consider the IHG One Rewards Premier Credit Card. This card offers an annual free night award with a redemption cap up to 50,000 points, automatic Gold Elite status, 15 Elite Night Credits each year, and only a $150 annual fee. Here's our full review.
- Earn up to 17X points spent when you stay at IHG Hotels & Resorts
- 3X points per $1 spent on dining, at grocery stores, and gas stations
- 2X points per $1 spent on all other purchases
- Earn 5X points for being a IHG One Rewards Card member
- Earn up to 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn up to 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
- Earn up to 24X points total per $1 spent when you stay at IHG Hotels & Resorts
- 5X points per $1 spent on flights booked directly, car rental agencies, at gas stations, grocery stores, and restaurants
- 3X points per $1 spent on all other purchases
- Earn 10X points for being a IHG One Rewards Premier Card member
- Earn up to 4X points from IHG® with Gold Elite Status, a benefit of having this card
- Earn up to 10X points from IHG® for being an IHG® One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
- IHG One Rewards Premier Select Card Pros
- IHG One Rewards Premier Select Card Cons
- IHG One Rewards Premier Select Card Benefits
- Anniversary free night
- Automatic IHG Platinum Elite status
- Earn IHG Diamond Elite status via spending
- Head start toward status
- Fourth night free on award stays
- 30% discount on points purchases
- Global Entry, TSA PreCheck, or NEXUS statement credit
- Earn 20,000 bonus points
- Earn $50 United® TravelBank Cash
- $200 airline statement credit
- $300 in annual food and beverage rewards at IHG Hotels
- Complimentary DashPass membership and promotion
- Instacart+ Membership and benefits
- Travel and purchase protections
- IHG One Rewards Premier Select Card Earning Rates
- Redeeming Points With the IHG One Rewards Premier Select Card
- Application Restrictions and Strategy
- Cards That Compete With the IHG One Rewards Premier Select Card
- Bottom Line
Note that the IHG hotel earnings can be a bit deceiving when you compare them head-to-head with other cards. Since all IHG One Rewards members earn 10X on stays, having the IHG One Rewards Premier Select Card effectively adds 18X more points in earnings.
Plus, you won't pay foreign transaction fees when you use this card abroad.
Redeeming Points With the IHG One Rewards Premier Select Card
Reward nights
IHG One Rewards points are deposited directly into your account, making it easy to redeem points for free nights across IHG’s global portfolio of properties. The card’s fourth-night-free benefit and annual free night reward (up to 60,000 points) help stretch your points further, whether for longer stays or special trips.
For a splurge, use rewards to book nights at luxury properties like Kimpton and InterContinental. Or, use your IHG points for family travel at one of the thousands of Holiday Inn and Holiday Inn Express hotels worldwide.
Airline partners
IHG points can be transferred to one of IHG's nearly 40 airline partners, including
Other ways to redeem IHG One Rewards
IHG offers even more ways to use your points, like experiences or to gain exclusive VIP access at participating events. Plus, you can shop through IHG's catalog, donate your points, purchase magazines, and more. We advise avoiding these redemptions, as you will not get nearly the value as when redeeming for hotel stays.
Application Restrictions and Strategy
Since the IHG One Rewards Premier Select Credit Card is issued by Chase, there are a few rules you need to know about. First, the card is subject to the 5/24 policy, 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.
Plus, you'll see these terms on the application page:
This credit card is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.
As a newly launched card, language specific to this card may be advantageous. That means if you have another IHG One Rewards personal card right now or have received a welcome bonus on one in the past 24 months, you may also be eligible for this card.
Note that if you've opened two
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With the IHG One Rewards Premier Select Card
Before settling on the IHG One Rewards Premier Select Card, you may find it helpful to compare the card against some of its top competitors:
The earning for spending at IHG hotels breaks down as follows:
$95Rates & Fees
$150Rates & Fees
The earning for spending at IHG hotels breaks down as follows:
Bottom Line
The IHG One Rewards Premier Select Credit Card is the highest-annual-fee card in the IHG portfolio, and as such offers the most value for IHG loyalists. If you stay at IHG hotels throughout the year, the anniversary reward night should help cover the card's ongoing $350 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.
Right now is an ideal time to add the IHG One Rewards Premier Select Card to your wallet and pick up the Limited Time Launch Offer! Earn 200,000 Bonus Points bonus points. That gives you plenty of time to test out the card's benefits — and lots of points to use along the way.
Page Contents
For rates and fees of the cards mentioned in this post, please visit the following links: IHG One Rewards Premier Select Credit Card (Rates & Fees), IHG One Rewards Credit Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), and IHG One Rewards Premier Credit Card (Rates & Fees)
