IHG One Rewards Premier Credit Card
IHG hotel card with an anniversary free night, quarterly food rewards, and an annual airline credit. The $150 annual fee applies to new accounts. Existing cardholders move from $99 at their applicable 2027 renewal; follow your Chase notice and enter the fee you actually pay.
Trackable Benefits (5)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
Anniversary Free Night
One free night after each card anniversary, starting after your first year.
A certificate worth up to 50,000 points, with the option to add your own IHG points. Issued 12 months after account opening and at each anniversary thereafter, not on January 1. Book and complete your stay within 12 months of issue. Check the certificate in your IHG account for its exact limit and expiry; the refresh does not upgrade an already-issued certificate.
IHG Food & Beverage Reward
$25 voucher each calendar quarter at participating IHG hotels.
A voucher is deposited in your IHG Rewards Wallet each quarter and expires March 31, June 30, September 30 or December 31. Redeem against eligible food and beverage charges on your room bill before checkout. Each voucher can be used only once; any unused amount is forfeited. The reservation and room bill must be in the primary cardmember's name. Some brands and properties are excluded.
Annual Airline Credit
$100 once per calendar year on a flight purchase of at least $250.
Buy flight tickets directly from an airline in a single purchase of at least $250. One statement credit per calendar year through December 31, 2027. Separate smaller purchases do not combine to meet the threshold. Processing delays can move a late-December purchase into the following year. Credits can take up to four weeks to post.
Global Entry / TSA PreCheck / NEXUS Credit
Up to $120 for one eligible application fee every four years.
Pay an eligible Global Entry, TSA PreCheck or NEXUS application fee with this card. One credit of up to $120 every four years, measured from the previous qualifying application charge, not your card anniversary or January 1.
- • Global Entry includes TSA PreCheck.
Instacart Credit
$10 each calendar month with an active Instacart+ membership.
Receive a $10 monthly credit through December 31, 2027 with an active Instacart+ membership. Each credit applies to one eligible order of $10 or more from one retailer, paid with this card. Unused credit expires at month-end. Excludes fees, taxes, tips and restaurant orders powered by Uber Eats. Only one offer per household.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- Gold Elite status; existing Premier cardmembers retain Platinum through December 31, 2027. Spend $15,000 in a calendar year for Platinum or $40,000 for Diamond.
- 15 Elite Night Credits each calendar year, plus 2 per $5,000 spent. Existing-card annual credits begin in 2027.
- 10X card points at IHG hotels; 5X on direct flights, car rentals, dining, groceries and gas; 3X on other purchases. Advertised 24X IHG earnings include hotel-program and status points.
- Fourth reward night free on qualifying points stays; no foreign transaction fees.
- United TravelBank: register at ihg.com/united for $25 deposits around January 5 and July 5. January–June deposits expire July 15; July–December deposits expire January 15 of the next year. One registration per IHG account, not an extra allowance for each eligible card. Check United for your balance and expiry.
- DoorDash: $10 off one non-restaurant order monthly for first DashPass activation September 1, 2026–December 31, 2027; quarterly for activation February 1, 2025–August 31, 2026. Confirm your schedule in Manage DashPass. Active membership required; discounts do not roll over.
- One year of complimentary DashPass when activated by December 31, 2027; paid membership renews automatically unless canceled.
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
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