IHG One Rewards Premier Credit Card
- Best for: Travelers who stay at IHG hotels a few times a year and will use a yearly free night
- What Sets It Apart: Anniversary night at hotels costing up to 50,000 points, with your own points topping up pricier ones; fourth night free on stays booked with points; 15 elite night credits a year
- Cost: $150 annual fee; no foreign transaction fees; 19.49% to 27.99% variable APR
- Features: 10 points per $1 at IHG hotels; 5 per $1 on dining, groceries, gas, car rentals, and flights bought from the airline; 3 per $1 elsewhere; automatic Gold Elite status; $100 yearly airline credit through 2027; up to $100 a year in IHG food and drink vouchers; up to $50 a year in United TravelBank cash; Global Entry or TSA PreCheck credit up to $120 every four years
- Pros: Free night worth $300 at the 50,000-point cap, at NerdWallet’s 0.6 cent a point; fourth night free on any number of stays; 5 points per $1 on dining, groceries, and gas
- Cons: Gold status lacks room upgrades and early check-in; Platinum takes $15,000 in purchases in a calendar year; food and drink vouchers expire each quarter
Get the IHG One Rewards Premier Card if you stay at IHG hotels and will use the free night it gives you each year, good at hotels costing up to 50,000 points. At NerdWallet’s 0.6 cent a point, a night at that cap is worth $300, twice the $150 annual fee.
The IHG One Rewards Premier suits travelers who stay at Holiday Inn, InterContinental, or another IHG hotel a few times a year. In October 2026, Chase raised its annual fee from $99 to $150 and cut its automatic status from Platinum Elite to Gold Elite.
Key Features
- $150 annual fee, no foreign transaction fees, and a 19.49% to 27.99% variable interest rate (APR) on purchases
- 10 points per $1 at IHG hotels, 5 on dining, groceries, gas, car rentals, and flights bought from the airline, and 3 on everything else
- A free night each card anniversary at hotels costing up to 50,000 points, plus every fourth night free on stays booked with points
- Automatic Gold Elite status, plus 15 elite night credits a year, which IHG counts as nights toward higher status
- A $100 credit after $250 in flights bought from an airline each year through 2027, and up to $100 a year in IHG food and drink vouchers
Pros
- Anniversary night worth at least the $150 fee at any hotel costing 25,000 points or more, using NerdWallet’s value of 0.6 cent a point
- 5 points per $1 on dining, groceries, and gas, about 3% back at NerdWallet’s value
- A 180,000-point welcome offer for spending $3,000 within 3 months of opening the account
Cons
- Gold Elite adds 40% bonus points on IHG stays but no room upgrades, early check-in, or guaranteed room availability
- Platinum Elite now takes $15,000 in purchases in a calendar year, or a move up to the $350 Premier Select
- Food and drink vouchers, up to $25 a quarter, expire when the quarter ends and apply only to an IHG room bill
- 3 points per $1 on other spending, about 1.8% back at NerdWallet’s value, less than a 2% cash-back card pays
Get it if you already stay at IHG hotels, since the anniversary night then replaces a night you’d pay for. Guests loyal to Marriott, Hilton, or Hyatt should get that chain’s card instead, and business owners whose staff stay at IHG hotels should pick the IHG One Rewards Business Card.
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