IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card from Chase is the paid tier of IHG's card lineup, covering Holiday Inn, Holiday Inn Express, InterContinental, Kimpton, and the rest of the IHG portfolio for a $150 annual fee. As of October 14, 2026 the welcome offer, which Chase labels a launch offer with no end date stated, is 180,000 bonus points after $3,000 in purchases in the first 3 months, plus 10,000 more points for adding an authorized user in the first 3 months. The offer is not available if you hold a personal IHG One Rewards card or got a new-cardmember bonus in the past 24 months. What a bonus point is worth depends on the hotels you redeem at, so check award prices before treating the 180,000 point headline as a dollar figure. What sustains the card are its structural perks. The anniversary free night has a redemption cap of 50,000 points, and you can add points to book a higher-priced hotel. The fourth-night-free benefit on award stays is the sleeper: book a four-night reward stay and the fourth night is free, an effective 25 percent discount on a four-night points stay. Automatic Gold Elite status comes with the card as long as you remain a cardmember, and you qualify for Platinum Elite status in any calendar year you make $15,000 or more in purchases. Earning is 10x at IHG hotels from the card itself (up to 24x total with membership and Gold Elite status), 5x on flights booked directly, car rental agencies, dining, grocery stores and gas stations, and 3x on everything else. Spending $15,000 in a calendar year earns 15,000 bonus points. The card also carries up to $100 a year in IHG food and beverage rewards ($25 per quarter), a Global Entry, TSA PreCheck, or NEXUS fee credit of up to $120 every four years, up to $50 a year in United TravelBank cash, and no foreign transaction fees. The purchase APR runs 19.49 to 27.99 percent variable. This card fits travelers who actually sleep in IHG's mid-market brands, the road-trip and Holiday Inn Express crowd, and anyone who books points stays of four nights or more, where the fourth-night-free benefit compounds. It is a weaker fit for travelers chasing higher-priced hotel redemptions: the anniversary night has a 50,000 point cap, though you can add points to book a higher-priced hotel. If your loyalty sits with another hotel program, compare that program's card before applying.