Chase
IHG One Rewards Premier
What it is
The IHG One Rewards Premier is a Chase card earning IHG One Rewards points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. IHG's keeper card — the annual free night usually pays the fee by itself, and the free 4th-night on award stays is the real draw for anyone who redeems IHG points.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC | 140,000$3k · 90d | $826 | $1,053 | 35% | Apr ’26 |
PUBLIC ATH | 185,000$6k · 180d | $1,092 | $1,319 | 22% | Apr ’26 |
PUBLIC | 175,000$5k · 90d | $1,033 | $1,260 | 25% | Jan ’26 |
What you get
- Anniversary free night$236per year
A free night every account anniversary, redeemable at any hotel up to 40,000 points — and you can top it up with your own points for pricier nights. · up to 40,000 IHG
- Instacart+ credit$120per year
Up to $10 a month in Instacart credit plus a complimentary 3-month Instacart+ membership, through December 31, 2027.
- Global Entry credit$120one-time
Up to $120 every four years toward a Global Entry or TSA PreCheck application fee, as a statement credit.
- United TravelBank credit$50per year
Up to $50 a year in United TravelBank cash ($25 each January and July) once you link your card to a United MileagePlus account.
- IHG Platinum status$50per year
Automatic IHG One Rewards Platinum Elite status the whole time you hold the card.
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
standard values| SUB value | +$826 |
| 140,000 IHG × | |
| Benefits (Year 1) | +$326 |
↳ $576 at sticker value — before custom valuations Ongoing Anniversary free night(40,000 IHG · $236 × ) Anniversary free night 40,000 IHG · $236 × ~$201 Instacart+ credit($10/mo × ) Instacart+ credit $10/mo × ends Dec 2027 $48 United TravelBank credit($50 × ) United TravelBank credit $50 × $28 One-time Global Entry credit($120 × ) Global Entry credit $120 × $30 | |
| Annual fee | −$99 |
| Year 1 | $1,053 |
| Return for spending $3k | 35% |
Sign in to fold in your eligibility, spend-fit, and 5/24.
Related cards
IHG One Rewards Premier scores 50 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →