ChaseBest for IHG hotel stays
IHG One Rewards Premier
Annual Fee
$99/yr
Rewards Rate
3x-26x
Intro Offer
140,000 points
Regular APR
21.49%-28.49% Variable
IHG One Rewards Premier
IHG One Rewards Premier
140,000-point bonus. 26x at IHG. 4th night free on award stays.
Our take
Massive earning at IHG properties (26x combined) and a fourth reward night free on award stays. Annual free night certificate and Platinum Elite status make this worthwhile for IHG loyalists.
Highlights
What we like
140,000-point sign-up bonus
Free night certificate annually
Fourth night free on reward stays
Platinum Elite status
The trade-off
$99 annual fee
Points tied to IHG ecosystem
Points worth less per point than Marriott/Hilton
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 3x-26x |
| Rewards type | Points |
| Bonus categories | 26x on IHG hotels5x on travel5x on dining5x on gas3x on all |
| Welcome offer | 140,000 points |
| Offer requirements | after $3,000 spend in first 3 months |
Fees & APR
| Annual fee | $99/year |
| Intro APR (purchases) | N/A |
| Ongoing APR | 21.49%-28.49% Variable |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
after $3,000 spend in first 3 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
IHG One Rewards Premier