The IHG One Rewards Premier Credit Card is designed for travelers who crave luxury, savings, and premium perks at IHG Hotels & Resorts. Whether you frequently stay at InterContinental, Kimpton, Holiday Inn, Crowne Plaza, or other IHG properties, this card transforms every stay into a rewarding experience. From free anniversary nights to automatic Platinum Elite Status, this card delivers top-tier travel benefits that make every trip even more memorable.
With an incredible points-earning structure, special perks like a fourth-night free on award stays, and no foreign transaction fees, this card is essential for IHG loyalists and frequent travelers. Whether you’re traveling for business or leisure, the IHG One Rewards Premier Credit Card ensures you get the best value for your stays while indulging in exclusive benefits along the way.
Benefits of the IHG One Rewards Premier Credit Card
1. Earn Up to 26X Points on IHG Hotel Stays
Maximize your rewards with an unbelievable 26X total points per $1 spent at IHG Hotels & Resorts. This includes 10X points as a cardmember, 10X points for being an IHG Rewards member, and up to 6X bonus points for Platinum Elite Status—making your stays more rewarding than ever.
2. Platinum Elite Status – Automatically
Get instant Platinum Elite Status just for being a cardholder. Enjoy perks like room upgrades, extended check-out, bonus points on stays, and priority customer service, ensuring you always receive VIP treatment at IHG properties.
3. Anniversary Free Night Every Year
Receive a free night certificate every anniversary year (valid for stays at hotels costing up to 40,000 points per night). This benefit alone can easily offset the card’s annual fee, making it a must-have for IHG enthusiasts.
4. Fourth Night Free on Award Stays
When you redeem points for a stay of four nights or more, the fourth night is completely free—a massive advantage for extended vacations, weekend getaways, or business trips.
5. Earn 5X Points on Travel, Gas Stations, and Dining
Earn 5X points per $1 spent on essential travel expenses like airfare, gas stations, and restaurants, making it easy to rack up points even when you’re not staying at an IHG hotel.
6. 3X Points on All Other Purchases
Unlike many travel credit cards that only offer bonus points in specific categories, this card lets you earn 3X points per $1 spent on all other purchases, ensuring every dollar you spend works toward your next adventure.
7. No Foreign Transaction Fees
Travel freely without worrying about extra fees! The IHG One Rewards Premier Credit Card has no foreign transaction fees, making it the perfect travel companion for international trips.
8. Global Acceptance & Travel Protections
Accepted at millions of locations worldwide, this card also comes with trip cancellation insurance, lost luggage reimbursement, and purchase protection, ensuring peace of mind whenever you travel.
9. Fast Track to Diamond Elite Status
Spending $40,000 in a calendar year on the card will upgrade your status to Diamond Elite, unlocking even more luxury perks like complimentary breakfast, enhanced room upgrades, and higher points earning rates.
10. Redeem Points for Luxury Experiences
Your IHG points aren’t just for hotel stays—you can redeem them for flights, rental cars, gift cards, merchandise, and even unique experiences through the IHG One Rewards catalog.
11. IHG Milestone Rewards
As you stay more nights at IHG properties, you’ll unlock Milestone Rewards like suite upgrades, food & beverage credits, and bonus points, further enhancing your travel experiences.
12. Free Travel Credits & Statement Bonuses
Enjoy exclusive promotions, statement credits, and limited-time travel offers, allowing you to save even more while indulging in luxurious stays.
Who Can Apply?
To qualify for the IHG One Rewards Premier Credit Card, applicants must meet the following criteria:
- Age Requirement: Must be 18 years or older (or the legal age in your state).
- Residency: Must be a U.S. citizen or permanent resident with a valid Social Security Number.
- Credit Score: A good to excellent credit score (typically 700+) is recommended for approval.
- Income Requirement: Must have a verifiable source of income to meet credit obligations.
- No Recent Chase 5/24 Rule Violations: Applicants who have opened five or more credit cards in the past 24 months may not be eligible.
How to Apply
- Visit the Chase Website: Go to the IHG One Rewards Premier Credit Card application page.
- Click “Apply Now”: Start the secure online application process.
- Enter Personal Information: Provide your name, address, Social Security Number, and employment details.
- Submit Income Details: Include your annual income and financial obligations.
- Review Terms & Conditions: Ensure you understand the APR, fees, and rewards structure before submitting.
- Submit Your Application: Once submitted, you’ll receive an instant decision or further instructions.
- Receive & Activate Your Card: Upon approval, activate your card and start earning rewards immediately!
Frequently Asked Questions
What is the annual fee for the IHG One Rewards Premier Credit Card?
The annual fee is $99, but the benefits (like the anniversary free night) can easily outweigh the cost.
What is the APR on this card?
The APR varies based on creditworthiness; check Chase’s website for current rates.
How fast do points post to my account?
Points typically post within a few days of completing a qualifying transaction.
Can I transfer my IHG points to airline partners?
Yes! IHG allows you to transfer points to various airline loyalty programs, though transfer ratios vary.
