Chase
IHG One Rewards Premier Credit Card
Estimated value every year on typical spending
$540/ year
Every year, after the annual fee. Year one adds a $900 welcome bonus: $1,440
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Food and Beverage Reward $100 → $35 · Global Entry/TSA PreCheck/NEXUS Fee Credit $30 · DashPass Subscription $120 → $42 · Instacart Credit $120 → $42 · United Airlines TravelBank Cash $50 → $25
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Chase IHG One Rewards Premier Credit Card returns about $690 a year in rewards and usable credits, which covers its $150 fee with $540 to spare. The welcome bonus adds roughly $900 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.49% to 27.99% variable
- Foreign fee
- None
- Top perk
- 50,000 points
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 24X total points per $1 spent when you stay at IHG Hotels and Resorts
Sign-up bonus
180,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Best for
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $150
- Intro APR
- Not listed
- Regular APR
- 19.49% to 27.99% variable
- $400/mo on dining earns about $120/year (2.5x).
- $1200/mo on everyday spending earns about $216/year (1.5x).
- The $150 fee pays for itself at about $830/mo on dining.
- You come out ahead of a no-fee 1% card after about $10000/year of dining spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
IHG One Rewards Premier Credit Card: questions people ask
Is the Chase IHG One Rewards Premier Credit Card worth it?
On typical spending the Chase IHG One Rewards Premier Credit Card returns about $690 a year in rewards and usable credits, which covers its $150 fee with $540 to spare. The welcome bonus adds roughly $900 in the first year.
What is the Chase IHG One Rewards Premier Credit Card annual fee?
The Chase IHG One Rewards Premier Credit Card has a $150 annual fee. On typical spending its rewards and usable credits come to about $690 a year, so it nets about $540 after the fee.
What is the Chase IHG One Rewards Premier Credit Card welcome bonus?
Earn 180,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. We value it at about $900. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Chase IHG One Rewards Premier Credit Card earn?
24X total points per $1 spent when you stay at IHG Hotels and Resorts.
What credit score do you need for the Chase IHG One Rewards Premier Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Chase IHG One Rewards Premier Credit Card charge foreign transaction fees?
No. The Chase IHG One Rewards Premier Credit Card has no foreign transaction fee.
Compare IHG One Rewards Premier Credit Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.