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Chase · credit
Last updated
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 sourceWhat is Global Entry / TSA PreCheck?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee, which you only pay every few years. On this card: Up to $100 every 4 years Inferred by source |
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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.