IHG One Rewards Premier
The welcome offer, the anniversary free night, every credit and its catch, Gold status and the path to Platinum, the insurance, and whether the $150 fee pays for itself.
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Hotel cards · Chase
Welcome offer
180,000 points
Annual fee
$150
180,000 bonus points after $3,000 in purchases in the first 3 months, plus 10,000 more after adding an authorized user in the same period. Not available to anyone holding a personal IHG card or who received an IHG card bonus in the past 24 months.
Foreign transaction fees: NoneRewards: IHG One Rewards points
The Atelier Take
Keep it for the free night and the fourth night free.
Who it suits
IHG guests who will use the annual free night, the quarterly food and drink vouchers and fourth-night-free award stays.
Who should skip it
Anyone who rarely stays at IHG hotels: IHG points are worth about 0.6¢ each, so everyday earning is weak.
Every credit, and the catch
Chase puts the first-year value above $700, but most of it depends on using IHG hotels, specific brands or end-dated offers.
Anniversary free night
One night up to 50,000 points
Points can be added from the account to book a hotel above 50,000 points.
Food and beverage reward
Up to $100 a year
Redeemed at IHG hotels only, so it needs a stay every quarter to use in full.
Airline credit
Up to $100 a year
After $250 of flights bought directly from airlines in the year; ends December 31, 2027.
United TravelBank cash
Up to $50 a year
Usable only on United.
Instacart credit
Up to $120 a year
Purchases made directly through Instacart, with an active Instacart+ membership (three months included, then $99 a year unless canceled). Ends December 31, 2027.
DashPass and DoorDash promo
DashPass for a year + up to $10 a month
The $10 monthly promo is for non-restaurant DoorDash orders and only for DashPass memberships activated through this card on or after September 1, 2026. DashPass renews at the monthly rate after the free year unless canceled.
Global Entry, TSA PreCheck or NEXUS
Up to $120 every 4 years
What it earns
Rewards: IHG One Rewards points.
24x
IHG Hotels and Resorts
10x from the card, up to 10x as an IHG One Rewards member and up to 4x with Gold Elite
5x
Flights booked directly, car rentals, dining, grocery stores and gas
All other travel also earns 5x through December 31, 2026, then 3x
3x
Everything else
TPG values IHG points at 0.6¢ each, so 5x returns about 3¢ per dollar and 3x about 1.8¢.
Status and award benefits
Gold Elite status
Automatic while the card is open.
15 Elite Night Credits
On account opening and at the start of each calendar year.
More night credits
2 Elite Night Credits per $5,000 spent, plus 5 more after $15,000 a year.
Platinum Elite
After $15,000 of purchases in a calendar year, with 15,000 bonus points.
Diamond Elite
After $40,000 of purchases in a calendar year, for the rest of that year and the next.
Fourth night free
Book four consecutive reward nights and the fourth is free.
30% off points purchases
At least 30% off when IHG One Rewards points are bought with the card.
Will the $150 fee pay off?
Enter what would go on this card. The result values points at TPG’s valuation, adds the credits that would actually be used and, in year one, the welcome offer, then sets the total against a no-fee card that pays 2% back on everything.
1 · Spending on this card
Example figures are filled in; replace them with real ones.
IHG hotels and resortsCard points only; member and Gold Elite points come with any card and are left out
10x
Flights booked directly
5x
Dining
5x
Grocery stores
5x
Gas
5x
Car rentals
5x
Everything else
3x
2 · Credits that would be used
Tick only what would be used anyway, at full value.
3 · Assumptions
The result
The free night arrives after each card anniversary, so it starts in year two. Not counted: Gold status, the fourth night free on award stays and the DashPass benefits.
Insurance and protections
Chase lists these on the card’s page; the Guide to Benefits has the full terms. Pay for the trip or purchase with the card to be covered.
Trip cancellation and interruption
Up to $5,000 per traveler and $10,000 per trip for prepaid, non-refundable travel.
Lost luggage
Up to $3,000 per traveler for lost, damaged or stolen bags.
Baggage delay
Up to $100 a day for 3 days for essentials when bags are delayed more than 6 hours.
Purchase protection
Damage or theft within 120 days of purchase, up to $500 per item.
Pros and cons
Pros
- The anniversary night up to 50,000 points can exceed the fee
- Fourth night free on award stays
- Gold status and 15 Elite Night Credits a year
- A large welcome offer
Cons
- IHG points are worth about 0.6¢
- Status is now Gold; Platinum needs $15,000 of spending
- Several credits end in 2027 or need IHG stays every quarter
Card terms change often and some offers are personalized; the issuer’s page is the final word.