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Chase IHG One Rewards Premier Credit Card

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Card review

Chase IHG One Rewards Premier Credit Card

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

Up to 26x at IHG hotels with Platinum Elite status and a free anniversary night

Fee: $99 USD/yr
Purchase APR: 19.24% - 29.99%
Interest-free: -
Foreign fee: None

Rewards

10x IHG hotels, 5x travel/dining/gas, 3x all else; up to 26x total at IHG

Welcome offer

Up to 185,000 points (150,000 after $3,000 in 3 months + 35,000 after $6,000 in 6 months)

Our verdict

What stands out, and where it falls short.

What we like

10x IHG hotels, 5x travel/dining/gas, 3x all else; up…
Welcome bonus
No foreign transaction fees
Travel insurance included

Worth weighing

$99 USD/yr card fee
High interest if you carry a balance

Who It Is For

Whether the Chase IHG One Rewards Premier Credit Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $99 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $99 USD/yr
Purchase APR: 19.24% - 29.99%
Interest-free period: -
Foreign transaction fee: None

Rewards and features

Rewards: 10x IHG hotels, 5x travel/dining/gas, 3x all else; up to 26x total at IHG
Welcome offer: Up to 185,000 points (150,000 after $3,000 in 3 months + 35,000 after $6,000 in 6 months)
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Platinum Elite Status: Automatic IHG One Rewards Platinum Elite status
4th night free: Fourth reward night free on multi-night award redemptions
Anniversary free night: Free night award up to 40,000 points at account anniversary
DashPass: One-year complimentary DashPass membership

Benefits and perks

Extras that come bundled with the card.

Up to $120 Global Entry/TSA PreCheck credit every 4 years
Trip cancellation/interruption up to $5,000 per person
$100 statement credit + 10,000 bonus points after $20,000 annual spend

Chase IHG One Rewards Premier Credit Card: your questions answered

How much does the Chase IHG One Rewards Premier Credit Card cost?

The Chase IHG One Rewards Premier Credit Card costs $99 USD/yr.

What rewards does the Chase IHG One Rewards Premier Credit Card earn?

The Chase IHG One Rewards Premier Credit Card earns 10x IHG hotels, 5x travel/dining/gas, 3x all else; up to 26x total at IHG.

Does the Chase IHG One Rewards Premier Credit Card charge foreign transaction fees?

No - the Chase IHG One Rewards Premier Credit Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Chase IHG One Rewards Premier Credit Card?

The Chase IHG One Rewards Premier Credit Card has a purchase APR of 19.24% - 29.99%.

Does the Chase IHG One Rewards Premier Credit Card have a welcome offer?

Yes - Up to 185,000 points (150,000 after $3,000 in 3 months + 35,000 after $6,000 in 6 months).

Is the Chase IHG One Rewards Premier Credit Card a credit, debit or prepaid card?

The Chase IHG One Rewards Premier Credit Card is a credit card issued by Chase on the Visa network.

Does the Chase IHG One Rewards Premier Credit Card support Apple Pay and Google Pay?

Yes - the Chase IHG One Rewards Premier Credit Card works with both Apple Pay and Google Pay.

Where can I get the Chase IHG One Rewards Premier Credit Card?

The Chase IHG One Rewards Premier Credit Card is currently offered in United States.

How does DebitCue rate the Chase IHG One Rewards Premier Credit Card?

DebitCue rates the Chase IHG One Rewards Premier Credit Card 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Chase IHG One Rewards Premier Credit Card?

Use the Apply now button to continue on Chase's secure site. Comparing and applying through DebitCue is free.