If you’re a fan of the IHG hotel network and want a card that delivers strong travel rewards, elite status, and perks that truly make a difference day to day, the IHG One Rewards Premier Credit Card could be the perfect fit. With a balanced mix of generous points earning, valuable travel protections, and an annual fee that quickly pays for itself, this card is a solid choice for frequent IHG travelers. Here’s a closer look at what it offers.
Key Features
Right off the bat, the card comes with an attractive welcome bonus: 140,000 bonus points after spending $3,000 in the first three months. You’ll also earn 5 points per dollar on travel, dining, and gas stations, plus 3 points per dollar on all other purchases.
For IHG hotel stays, the earning potential is impressive, up to 26 points per dollar: 10 from the card itself, up to 10 as an IHG One Rewards member, and up to 6 more with automatic Platinum Elite status, which is included as long as you hold the card.
Another highlight is the annual free night certificate, valid at IHG hotels costing up to 40,000 points. If you’d like to book a pricier property, you can top it up with points from your account.
Additional Perks
One of the biggest draws is the 4th Night Free benefit when booking a four-night stay with points. This perk has no limit and can lead to major savings on longer stays.
On top of that, after spending $20,000 annually, you’ll receive a $100 statement credit plus 10,000 bonus points. And if you reach $40,000 in annual spend, you’ll earn Diamond Elite status, unlocking upgrades, bonus points, and premium perks.
Built-in protections are strong, too: up to $120 in credit every four years for Global Entry, TSA PreCheck, or NEXUS; up to $50 in United Airlines TravelBank cash when linked to your MileagePlus account; baggage delay and loss coverage; trip cancellation/interruption insurance; purchase protection; and reimbursement for lost luggage, including essentials like medication or clothing.
Overall, the card blends high earning potential, elite perks, free stays, comprehensive protections, and travel credits, all with no foreign transaction fees.
Fees and Costs
The card has a $99 annual fee, which is easily offset by the annual free night and other benefits. The APR ranges from 19.99% to 28.49% (variable). Balance transfers cost 5% or $5, whichever is greater. And, importantly, there are no foreign transaction fees, making it a strong option for international travelers. However, rates may vary depending on the bank’s policy. Remember to check current rates before signing any contract.
Who Should Consider It?
The IHG One Rewards Premier Credit Card is ideal for travelers who stay at IHG properties regularly, whether for leisure or business. If you can take advantage of the annual free night, earn points consistently, and use the travel perks, the $99 fee becomes well worth it.
It’s also a smart pick for those who want guaranteed elite status without chasing qualifying nights. Platinum Elite comes automatically, and big spenders can unlock even more perks with Diamond Elite.
How to Apply to IHG One Rewards Premier Credit Card
You can apply directly on the Chase website, with pre-qualification available to check approval odds without affecting your credit score. Many users report fast approvals with solid credit limits, especially with strong credit histories.
One detail to note: you can’t hold both this card and the no-annual-fee “Traveler” version at the same time. To re-qualify for a welcome bonus in the future, you may need to cancel and wait 24 months.
Is the IHG One Rewards Premier Worth It?
With a $99 annual fee, this card packs in benefits that easily outweigh the cost. The free night certificate alone can cover the fee, while the strong points earning, 4th Night Free, automatic elite status, travel credits, and protections make it a powerful tool for frequent travelers.
Add in the flexibility of earning and redeeming points, and it’s a smart choice for anyone loyal to IHG who wants a premium experience without extra hassle.
All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
https://creditcards.chase.com/
Read more about credit cards in https://us.pixin.com.br/category/credit-cards/
