Chase · Visa
IHG One Rewards Premier
IHG / Holiday Inn Loyalists
$150 annual fee up to $490/yr in credits if you use them
Why people consider it
- 24x on IHG.
- 5x on Travel.
- 5x on Dining.
Elevated welcome offer
Above the recent 140,000 points offer (about $700)
Current: 180,000 points
Recent typical offer: 140,000 points
Current offer is 29% higher than recent typical offers.
Welcome offer: 180,000 points≈ $900 at our typical valuation
Requirement: Spend $3,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 180,000 bonus points after $3,000 spend in 3 months — a limited-time offer ending 2026-11-18 with the 2026-10-01 card refresh (annual fee $150), confirmed by Chase's newsroom ('through November 18th'); plus 10,000 points for adding an authorized user in the first 3 months (not counted).
Recommended credit score: 680+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$900/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,800 first year
Includes: +$900 welcome offer (180,000 points at our typical value)
$900 is one-time. $900/year is ongoing.
To earn the bonus: spend $3,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $150, charged in full — credits count only if you use them
- Major trade-offs:
- IHG points worth only ~0.6¢ Up to 24x only at IHG hotels
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as IHG One Rewards Premier on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
IHG hotels — up to 24x total (10x card + up to 10x member + up to 4x Gold Elite)
Travel purchases — 5x on all travel through 12/31/2026, then only flights booked directly with airlines and car rentals
Restaurants (incl. takeout & delivery)
Gas stations
Grocery stores (added with the 2026-10-01 refresh)
Optional benefits and credits
Credits — if you use them
Up to $50/year ($25 each Jan & Jul) — register a MileagePlus account
$25 Food & Beverage Reward voucher each quarter, posted to your IHG One Rewards account and redeemable for dining at IHG hotels — added with the 2026-10-01 refresh
Statement credit after $250 in airline purchases each year, through 12/31/2027 — added with the 2026-10-01 refresh
$10 off one non-restaurant DoorDash order each month with DashPass activated by 2027-12-31 (12 months complimentary) — enrollment required
$10 in Instacart statement credits each month through 2027-12-31 with an active Instacart+ membership — enrollment required
Perks (not counted in our math)
Automatically credited each year — use at properties up to 50k points
Automatic Gold Elite (Platinum before the 2026-10-01 refresh) — bonus points and late checkout
Book 3 nights through IHG with points — get the 4th free automatically
Up to $120 statement credit every 4 years; shown at its ~$30/yr annualized value
Approval and bonus eligibility caveats
Recommended credit score: 680+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Free night annually (up to 50k points) worth more than the $150 fee
- + 4th night free on award bookings
- + 180k limited-time bonus worth ~$900
- + Gold Elite status automatic
- + Global Entry credit ($120 every 4 years)
Cons
- - IHG points worth only ~0.6¢
- - Up to 24x only at IHG hotels
- - Free night capped at 50k points
- - IHG properties vary in quality
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.