IHG One Rewards Premier Credit Card
- Annual fee
- $99
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 20.99% to 27.99% variable based on creditworthiness and the Prime Rate
At a glance
Earn up to 26X points on when you stay at an IHG property; 5X points on gas, travel, and restaurants; plus, automatic Platinum Elite status within the IHG One Rewards loyalty program. Sign up for the IHG One Rewards Premier Credit Card today and receive 140,000 bonus points plus a free night when you spend $3,000 within the first 3 months of opening an account.
Our review of the IHG One Rewards Premier Credit Card
If you’re considering the IHG One Rewards Premier Credit Card, you’re in the right place. As a credit card expert, I can confidently say that this card is worth its annual fee of $99. With multiple perks and strong earning potential, it’s a great choice for current IHG One Rewards Members looking to score a free night’s stay each year.
One of the standout features of this card is the automatic upgraded membership status it provides. Cardholders get Platinum Elite status, which comes with benefits like room upgrades, late checkout, and hotel bar/mini bar credits. Plus, you’ll enjoy a statement credit for Global Entry or TSA Precheck application and no foreign transaction fees, making it perfect for travelers.
New cardholders can also take advantage of a generous signup bonus. By spending $3,000 within the first 3 months, you can earn 140,000 bonus points and up to $100 in IHG statement credits. And if you spend at least $20,000 within your account anniversary year, you’ll get an extra 10,000 bonus points.
When it comes to earning points, the IHG One Rewards Premier Credit Card offers competitive rates. You’ll earn 25X points per dollar spent at IHG Hotels & Resorts, 2X points per dollar spent at gas stations, grocery stores, and restaurants, and 1X points per dollar on all other purchases. While the point value may be lower than some other cards, the bonus categories make it easy to rack up points on everyday expenses.
In addition to earning points, cardholders can enjoy complimentary hotel stays through the anniversary free night and fourth reward night free perks. The anniversary free night can be used at any eligible IHG property with rooms that cost 40,000 points or less, while the fourth reward night free perk allows you to get every 4th night free when using points for a reservation of four or more consecutive nights.
Overall, the IHG One Rewards Premier Credit Card is a solid choice for IHG loyalists and frequent travelers looking to maximize their rewards. With automatic Platinum Elite status, generous signup bonuses, and valuable redemption options, this card offers great value for its annual fee.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 140,000 Bonus Points plus up to $100 in IHG® statement credits.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Who this card may suit
- You stay at an IHG hotel at least once a year
- You want a jumpstart to earning IHG Spire Elite Status
- You want to prevent your IHG points from expiring
- You want a statement credit for Global Entry or TSA Precheck
- You're planning an upcoming 4+ night getaway
Rates, fees and terms
| Annual Fee | $99 |
|---|---|
| Regular Purchase APR | 20.99% to 27.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 20.99% to 27.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.74% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | Up to 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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IHG One Rewards Premier Credit Card
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