Hotel card review
IHG One Rewards Premier Credit Card
The fourth-night-free benefit on award stays is the quiet winner here, more than the headline bonus.
Open to new applicantsVerified on issuer pages
At a glance
Annual fee$150Confirmed on Chase's own card listing page.
Welcome offer180,000 IHG One Rewards points$3,000 in 3 months
IssuerChase
Rewards programIHG One Rewards
Foreign transaction feeNone
Welcome offer
180,000 IHG One Rewards points after $3,000 of spending within 3 months.
Offer ends November 18, 2026
Our source says the current IHG offers end 18 November 2026. Chase's own listing page showed 180,000 points on 2 November 2026.
Offers vary. Welcome offers on this card can differ by applicant, by referral and by the link you apply through. The figure above is what our source showed on the date given, not a guarantee of what you will be offered.
Earning rates
Not verified. We could not confirm this card's earning rates against a page we could read during this build, so none are listed. We would rather leave this blank than print a number we have not checked. The issuer's own product page has the current rates.
Benefits and credits
- Fourth night free IHG's Premier card has historically included a free fourth night on award stays. Confirm current terms on the product page.
- Anniversary free night Historically included, with a points ceiling. Confirm the current ceiling.
Restrictions worth knowing
- Chase 5/24 applies.
- Free night certificates carry a points ceiling and expire.
- Earning rates were not displayed on the pages we read and are not stated here.
How to use it well
- On a four-night award stay the fourth-night-free benefit is worth 25% of the whole redemption, which recurs every year.
- There is a live Chase Ultimate Rewards to IHG transfer bonus of 80% running to 3 December 2026, though IHG points are generally worth less per point than airline miles.
- If you want the premium version, the new Premier Select sits at $350.
Sources and freshness
What we checked: Fee and welcome offer confirmed on Chase's own listing page, 2 November 2026, and corroborated by The Points Guy the same day. Benefit detail is historical and flagged as needing confirmation.
- Chase: credit cards — read November 2, 2026
- The Points Guy: current IHG welcome bonuses — read November 2, 2026
Last updated: November 2, 2026.
Other IHG One Rewards cards
- IHG One Rewards Premier Select Credit Card — $350, open to new applicants
- IHG One Rewards Traveler Credit Card — $0, renamed