IHG One Rewards MastercardIHG One Rewards Premier Credit Card
Issued by Chase
Reviewed by the CardCurator Editorial Team
$270/year in trackable credits — never leave money on the table
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Best fit: strongest ongoing earning is 10x on IHG Hotels and Resorts.
- Bonus hurdle: spend $4,000 in 3 months.
- Annual fee: $99 charged each year.
- Offer status: Offer is at or near the best public bonus we have tracked.
- Who should skip: anyone who will not recover the annual fee through ongoing spend, credits, or the welcome bonus.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
Earning Categories
Current Welcome Bonus
EARN 5 FREE NIGHTS VALUED AT UP TO 200,000 POINTS (each night valued at up to 40,000 points). This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products.
Year 1 net value: +$1,901 (bonus − annual fee)
Statement Credits
$100 statement credit after spending $20,000 yearly
$120 Global Entry/TSA PreCheck statement credit (every 4 years)
$50 United Airlines TravelBank Cash annually
Card Perks
Redeem 3 nights, get 4th free
Maximize Your IHG One Rewards Points
Expert tips to get the most value from this program
Program Overview
IHG One Rewards is the loyalty program for InterContinental Hotels Group, covering brands like InterContinental, Kimpton, Hotel Indigo, Crowne Plaza, Holiday Inn, and more. With 6,000+ properties worldwide, IHG offers massive global coverage. Key strengths: - Huge global footprint (6,000+ hotels across 19 brands) - 4th night free on reward stays of 4+ nights - Points transfer from Chase UR and Bilt at 1:1 - Milestone Rewards at higher elite tiers (free night certificates) - Dynamic pricing but with reasonable rates at many properties - Elite status (Silver, Gold, Platinum, Diamond) with good upgrade benefits
Earning Tips
Card stacking strategy: Chase co-brand cards: - IHG One Rewards Premier: 26x at IHG, 5x dining/gas/travel, 3x everything else; Platinum Elite status - IHG One Rewards Traveler: 17x at IHG, 3x dining/gas, 1x everything else; no annual fee - IHG One Rewards Premier Business: 26x at IHG, 5x on travel/dining/gas, 3x everything else Key tips: - Premier card gives automatic Platinum Elite status - 26x earning at IHG properties is one of the highest hotel card earn rates - Annual free night certificate on Premier card (up to 40,000 pts value) - Stack with Chase Sapphire for non-IHG spending - IHG Rewards Club shopping portal for bonus online earning
Redemption Tips
Best redemption values: 4th night free (key benefit): - Book 4+ nights and the 4th night is free (25% savings) - Plan stays around 4-night blocks for maximum value - Works at all properties with reward availability Sweet spots: - Holiday Inn Express/Holiday Inn: 15,000-25,000 pts/night for reliable stays - International properties: Often great value in developing markets - InterContinental during off-peak: Luxury at reduced point prices - Kimpton hotels: Boutique experience at moderate point prices PointBreaks / last-minute deals: - IHG occasionally offers reduced-rate awards at select properties - Check for promotions before booking at standard rates Free Night Certificates: - Premier card annual certificate (up to 40,000 pts value) - Use at the highest-value property within the cap - Milestone rewards at Diamond tier include additional certificates Avoid: - High-category properties during peak when point prices spike - Converting points to airline miles (poor value) - Paying cash + points when full point redemption or full cash is better
Transfer Strategy
Inbound transfers: - Chase Ultimate Rewards: 1:1 - Bilt Rewards: 1:1 - Marriott Bonvoy: Points cannot transfer to IHG Strategy tips: - Chase UR at 1:1 is the primary transfer route (but Hyatt usually offers better value) - Bilt also transfers 1:1 - Only transfer to IHG when Hyatt doesn't have what you need - IHG point values are typically 0.5-0.7 cpp; transfer when hotel costs justify it - Compare IHG award price vs. booking Hyatt or using Chase portal at 1.5x
Milestones & Bonuses
Anniversary Free Night (up to 40,000 points annually)
IHG One Rewards Program
Based on 10,000 points transferred
Compare This Card
See how the IHG One Rewards Premier Credit Card stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the IHG One Rewards Premier Credit Card?
- The IHG One Rewards Premier Credit Card has an annual fee of $99 per year.
- What is the best category to use the IHG One Rewards Premier Credit Card for?
- The IHG One Rewards Premier Credit Card earns 10x on IHG Hotels and Resorts, making it the strongest earning category for this card.
- What is the IHG One Rewards Premier Credit Card welcome bonus in 2026?
- The IHG One Rewards Premier Credit Card currently offers a welcome bonus of 200,000 points after spending $4,000 in the first 3 months.
- Does the IHG One Rewards Premier Credit Card charge foreign transaction fees?
- No, the IHG One Rewards Premier Credit Card does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are IHG One Rewards points worth?
- IHG One Rewards points are worth approximately 0.50¢ per point on average, with premium redemptions reaching up to 0.70¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
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