Chase · Visa
IHG One Rewards Premier
Annual Fee
$99
up to $150/yr in credits if you use them
Sign-Up Bonus
$700
Current offer shown; issuer determines eligibility.
Spend $3,000 in 3mo
Terms apply.
Base Rate
3x
on everything
Best For
IHG / Holiday Inn Loyalists
Sign-Up Bonus
Bonus: 140,000 points
Requirement: Spend $3,000 in 3 months
Estimated value: $700Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
IHG hotels (with Platinum Elite)
Travel purchases
Restaurants (incl. takeout & delivery)
Gas stations
Key Benefits
Credits — if you use them
Up to $50/year ($25 each Jan & Jul) — register a MileagePlus account
Statement credit + 10,000 bonus points after $20,000 in a calendar year
Perks (not counted in our math)
Automatically credited each year — use at properties up to 40k points
Automatic — includes room upgrades, early check-in, bonus points
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
Pros & Cons
Pros
- + Free night annually worth more than the $99 fee
- + 4th night free on award bookings
- + 140k sign-up bonus worth ~$700
- + Platinum Elite status automatic
- + Global Entry credit ($120 every 4 years)
Cons
- - IHG points worth only ~0.6¢
- - 26x only for IHG purchases
- - Free night capped at 40k points
- - IHG properties vary in quality
Rates and fees may vary.See current rates, fees, and terms on Chase's site
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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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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.