IHG One Rewards Premier is offering 170,000 points after spending $4000 in 3 months with a $99 annual fee.. That's up 30,000 points over their standard offer of 140,000 points after spending $3000 in 3 months. Offer expires 3/19/25
IHG One Rewards Premier Credit Card Review
Key Takeaways
The IHG One Rewards Premier Card is a strong long-term keeper if you stay at IHG properties even once a year. The annual free night (worth up to 40,000 points) easily offsets the $99 fee. The 140,000-point sign-up bonus, Platinum Elite status, 4th night free on award stays, and solid travel perks make this card valuable for both occasional and frequent travelers. IHG can be a powerful backup option for road trips, small towns, or even international stays— though it might not be your primary hotel brand. This card stands out in its price range because of its ease of use and flexible benefits.
Why This Card Could Be Right For You
This card offers strong value both for earning points and for keeping long-term. The current 140,000-point sign-up bonus is enticing, especially with a low $3,000 minimum spend in the first 3 months. The $99 annual fee is easily justified by the free night certificate each year (up to 40,000 points). And the "4th night free" award (book 4 nights, get the 4th one free) — is a huge perk if you use IHG points frequently. You can "stack this benefit," meaning if you book 8 consecutive nights with points, 2 of those nights are free!
Additional Perks- IHG Platinum Elite status for as long as you hold the card.
- $25 United TravelBank deposit (twice per year).
- A credit for Global Entry, TSA PreCheck, or NEXUS.
- Strong earning potential:
- 5x points on travel, dining, and gas.
- Up to 26x points at IHG properties (10x from the card, 10x for being an IHG Rewards member, and 6x from Platinum Elite status).
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be good for you:
- You don’t ever stay at IHG properties so the free night per year would be wasted
What to Know About IHG Rewards
IHG is our “utility” hotel points system. If you just need a night or two, and aren’t looking for glitz and glamor, IHG points go a long way.
- The IHG brand consists mostly of Holiday Inns. So they are in nearly every small town or international city you might want to stay. We use it as the Hyatt’s “not there” filler.
- The generous sign-up bonuses (especially if you wait for a special offer) will cover 6-8 nights per card.
- IHG is part of the Chase partner rewards system, but the transfer value is poor, so we don’t recommend transferring anything more than a few thousand points to top off your balance for a stay.
How The IHG One Rewards Premier Credit Card Fits In The IHG Rewards Ecosystem
IHG offers two personal cards:
- IHG One Rewards Club Premier ($99 annual fee) comes with a 140,000-point sign-up bonus (on $3,000 spend in 3 months). You also get a free anniversary night (up to 40k points), and a 4th night free on stays of at least 4 nights. Last perk? Platinum Elite status.
- IHG One Rewards Traveler (No annual fee) gets you an 80,000-point sign up bonus (on $2,000 spend in 3 months). But there is no free anniversary night, and no 4th night free perk.
If you don’t plan to keep the card long-term, the Traveler card might seem like a better option. However, we recommend getting the Premier for the higher sign-up bonus and free night, then downgrading to the Traveler after the first year if needed. If you’re near Chase’s 5/24 limit, consider the IHG One Rewards Premier Business card, which doesn’t count toward your 5/24 status and has nearly identical perks as the personal Premier card.
My Experience, No Filter
This was one of the first hotel-branded personal cards we got. The free anniversary night makes holding this card worth the $99 annual fee. We've never used the "4th night free" perk, only because we prefer extended stays at Hyatts while vacationing. But if you're whetted to IHG properties, the 4th free night could make this card a screaming deal for you.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 140,000 | $3,000 | 0.6 ¢ | $152 | $99 |
$911
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| IHG Hotels | Platinum Elite status, Anniversary Free Night, 4th Reward Night Free | 5/24 , Chase 2/30 , Chase 4/6 |
Spend Categories
All Other = »
3X points
1.8¢ Per Dollar Spent
Gas Stations = »
5X points
3¢ Per Dollar Spent
Hotels + »
26X points
15.6¢ Per Dollar Spent
Restaurants = »
5X points
3¢ Per Dollar Spent
Travel = »
5X points
3¢ Per Dollar Spent
Card Benefits
Free Room Annually »
You get 1 standard room night free. You're responsible for all incidental charges, such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged.
You get 1 standard room night free. You're responsible for all incidental charges, such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged.
TSA Pre Check »
Get up to $100 statement credit for Global Entry, or an $85 fee credit for TSA PreCheck.
Get up to $100 statement credit for Global Entry, or an $85 fee credit for TSA PreCheck.
Anniversary Date Bonus Points »
You'll receive 40,000 bonus points each account anniversary year.
You'll receive 40,000 bonus points each account anniversary year.
Car Rental Insurance »
Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.
Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.
Travel Insurance »
Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $5,000 per person; baggage delay insurance up to $100 per day for 5 days
Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $5,000 per person; baggage delay insurance up to $100 per day for 5 days
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Hotel Perks »
Automatic Platinum status includes: priority check-in, late checkout, free internet & complimentary room upgrades (not available during reward stays). Fourth night free on award stays.
Automatic Platinum status includes: priority check-in, late checkout, free internet & complimentary room upgrades (not available during reward stays). Fourth night free on award stays.
Purchase Protection »
You're protected for 120 days from the date of purchase, up to $10,000 per claim, and $50,000 per account.
You're protected for 120 days from the date of purchase, up to $10,000 per claim, and $50,000 per account.
Price Protection »
$500 per item and $2,500 per year when a lower price is found within 90 days of the purchase.
$500 per item and $2,500 per year when a lower price is found within 90 days of the purchase.
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System IHG Rewards
Transfers Out To
Air Canada Aeroplan
5:1 47% value retained
Alaska Airlines Mileage Plan
5:1 40% value retained
American Airlines Miles
5:1 47% value retained
Avianca LifeMiles
5:1 47% value retained
British Airway Executive Avios
5:1 33% value retained
Delta SkyMiles
5:1 40% value retained
Etihad Guest
5:1 40% value retained
Flying Blue and Air France
5:1 40% value retained
jetBlue trueBlue
5:1 40% value retained
Lufthansa Miles and More
5:1 37% value retained
Singapore KrisFlyer
5:1 43% value retained
Turkish Airways
5:1 40% value retained
Virgin Atlantic Flying Club
5:1 47% value retained
Transfers In From
Chase Ultimate Rewards
1:1 38% value retained
IHG One Rewards Premier Application Rules
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Ranking of Cards Offering IHG Rewards
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
6th
Rank
5th
Rank
6th
Rank
3rd
Rank
3rd
Breaking Points
January 23, 2025
IHG One Rewards Premier
July 15, 2024
IHG Best Ever Offer
IHG Premier Chase card is offering 5 FREE nights after spending $4000 in 3 months. Each night is up to 60,000 points meaning you can potentially get a value of 300,000 points - $99/annual fee.
February 13, 2024
Mini Points - February 2024
- IHG Mastercard, earn 165,000 points after spending $3000 in the first 3 months, $99 annual fee.
- Delta Platinum Amex Business, 100,000 points after spending $8000 in the first 6 months, $350 annual fee.
- Delta Gold Amex Business, 80,000 points after spending $6000 in the first 6 months, $0 annual fee, then $150 after first year.
- Delta Reserve Amex Business, 110,000 points after spending $12,000 in the first 6 months, $650 annual fee.
- Delta Platinum Amex, 90,000 points after spending $4000 in the first 6 months, $350 annual fee.
- Delta Gold Amex, 70,000 points after spending $3000 in the first 6 months, $150 annual fee.
- Delta Reserve Amex, 100,000 points after spending $6000 in the first 6 months, $650 annual fee.
November 22, 2023
IHG Limited Time Offer Expires 12/4/23
Awesome Limited Time offer on the IHG Premier card. Get 175,000 Bonus Points after spending $8000 in 6 months. 100,000 Points after spending $3000 in 3 months and another 75,000 Bonus Points after spending $8000 total in the first 6 months of opening the account.
Hurry up - Deal ends December 4, 2023!!!