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Chase · credit
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Is the IHG One Rewards Premier worth keeping when the fee hits?
Welcome offer — 5 free nights (up to 165,000 points) after $5,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 10× | IHG hotels Inferred by source |
|---|---|
| 5× | Travel, dining & gas Inferred by source |
| 3× | Everything else Inferred by source |
| Global Entry / TSA PreCheck | $100/yr · one-time Inferred by source |
|---|
No lounge access.
| Anniversary free night | One free night up to 40,000 points each year Inferred by source |
|---|---|
| IHG Platinum Elite status | Complimentary status while you hold the card Inferred by source |
| Fourth Night Free | On reward stays of 4+ nights Inferred by source |
| Trip cancellation | Up to $5,000/person Inferred by source |
|---|---|
| Baggage | Up to $3,000 per passenger Inferred by source |
Using IHG One Rewards Premier at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The IHG One Rewards Premier Credit Card has a $99 annual fee.
Using its non-spend-gated credits fully, the IHG One Rewards Premier Credit Card returns about $100 in value against its $99 annual fee — a net of +$1 per year. It can pay for itself if you actually use the credits.
The IHG One Rewards Premier Credit Card earns 10x on ihg hotels, 5x on travel, dining & gas, 3x on everything else.
No — the IHG One Rewards Premier Credit Card does not include airport lounge access.
No — the IHG One Rewards Premier Credit Card has no foreign transaction fee, so it's a good card to use abroad.
5 free nights (up to 165,000 points) after $5,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.