IHG One Rewards Premier Credit Card
A $150 IHG card with Gold Elite status, a free night up to 50,000 points and 10x at IHG. Annual fee: $150. Welcome offer: 180,000 points + 10,000 for an authorized user after $3,000 in purchases in the first 3 months.
Welcome offer
| Offer | 180,000 points + 10,000 for an authorized user |
|---|---|
| Spend requirement | $3,000 in purchases |
| Time window | first 3 months |
| Expiration | Chase labels it a launch offer; no end date stated |
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| IHG hotels (card earn) | 10x | |
| Direct airline flights, car rentals, dining, groceries, gas | 5x | After 12/31/2026 the 'other travel' 5x narrows to direct airline tickets and car rentals. |
| Everything else | 3x |
Benefits and credits
Statement credits
| Credit | Value | Details |
|---|---|---|
| Anniversary free night | Up to 50,000 points | |
| Food & Beverage Rewards | Up to $100/yr | $25 quarterly vouchers. |
| Airline credit | $100/yr | On $250+ flights booked direct, through 12/31/2027. |
| Global Entry / TSA PreCheck / NEXUS | Up to $120 | Every four years. |
| Instacart | $10 monthly credit | Activate by 12/31/2027. |
Other benefits
- Automatic Gold Elite; Platinum at $15,000 spend and Diamond at $40,000.
- 15 Elite Night Credits at opening and each Feb 1.
- Every 4th reward night free on 4+ night stays.
Restrictions
- Not available to current personal IHG cardmembers or those with a bonus in the last 24 months.
Strategies
- Spend category changes on 1/1/2027, so the 5x on non-airline travel ends; reassess in January.
Best categories: 10x at IHG hotels (card earn); 5x at direct airline flights, car rentals, dining, groceries, gas.
Compare with: Marriott Bonvoy Brilliant® American Express® Card, Marriott Bonvoy Bevy™ American Express® Card, Marriott Bonvoy Bountiful® Credit Card, Marriott Bonvoy Boundless® Credit Card. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees, welcome offers and earning rates come from Chase's official card pages, fetched on Oct 27, 2026.
Last updated: . Verification status: checked against the sources above.