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IHG One Rewards Premier Select Credit Card

IHG One Rewards Premier Select Credit Card card art

Estimated value every year on typical spending

$492/ year

Every year, after the annual fee. Year one adds a $1,000 welcome bonus: $1,492

+$540rewards+$302credits & perks−$350annual fee

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 $300 → $105 · Airline Statement Credit $200 → $100 · Global Entry, TSA PreCheck or NEXUS fee credit $30 · DashPass (not counted) · Instacart Credit $120 → $42 · United Airlines TravelBank Cash $50 → $25

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Chase

Is it worth it?

On typical spending the Chase IHG One Rewards Premier Select Credit Card returns about $842 a year in rewards and usable credits, which covers its $350 fee with $492 to spare. The welcome bonus adds roughly $1,000 in the first year.

The fine print

Intro APR
Not listed
Regular APR
19.49% to 27.99% variable
Foreign fee
None
Top perk
60,000 points
Approval
Excellent credit recommended
Redeem for
Airline/hotel bookings · Loyalty program transfers · Gift cards

Rewards

  • 28X total points per $1 spent when you stay at IHG Hotels and Resorts

Sign-up bonus

200,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.

Best for

  • Big spenders on dining
  • Travelers who redeem points
  • Perk-seekers who travel often

Not ideal for

  • Light or occasional spenders
  • People who want plain cash back
  • Thin or new credit files

Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.

Worth knowing

Annual fee
$350
Intro APR
Not listed
Regular APR
19.49% to 27.99% variable
  • $400/mo on dining earns about $144/year (3x).
  • $1200/mo on everyday spending earns about $216/year (1.5x).
  • The $350 fee pays for itself at about $1460/mo on dining.
  • You come out ahead of a no-fee 1% card after about $17500/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.

All recent card changes

IHG One Rewards Premier Select Credit Card: questions people ask

Is the Chase IHG One Rewards Premier Select Credit Card worth it?

On typical spending the Chase IHG One Rewards Premier Select Credit Card returns about $842 a year in rewards and usable credits, which covers its $350 fee with $492 to spare. The welcome bonus adds roughly $1,000 in the first year.

What is the Chase IHG One Rewards Premier Select Credit Card annual fee?

The Chase IHG One Rewards Premier Select Credit Card has a $350 annual fee. On typical spending its rewards and usable credits come to about $842 a year, so it nets about $492 after the fee.

What is the Chase IHG One Rewards Premier Select Credit Card welcome bonus?

Earn 200,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening. We value it at about $1,000. 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 Select Credit Card earn?

28X 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 Select Credit Card?

The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Chase IHG One Rewards Premier Select Credit Card charge foreign transaction fees?

No. The Chase IHG One Rewards Premier Select Credit Card has no foreign transaction fee.

Similar cards

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.