IHG One Rewards Premier Credit Card
Built for travelers who use Holiday Inn, InterContinental, Kimpton and other IHG brands. It earns up to 10X points per $1 at IHG hotels plus 5X on travel, dining and gas and 3X on everything else. The $99 fee buys an anniversary night capped at 40,000 points, automatic Platinum Elite and a Global Entry, TSA PreCheck or NEXUS credit. Redeem 3 reward nights and the 4th is free, which stretches the big point balances this card creates.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Anniversary free night worth up to 40,000 points every year you renew
- Fourth reward night free on point stays of 4 or more nights
- Automatic Platinum Elite status, with Diamond Elite reachable at $40,000 annual spend
- 3X floor on every purchase keeps points accumulating between trips
- Global Entry, TSA PreCheck or NEXUS credit of up to $120 every 4 years
- Up to $50 United TravelBank Cash yearly, plus DashPass and Instacart+ memberships
- Annual fee: $99
- Purchase APR: 19.24% - 27.74% Variable
- Intro purchase APR: none
- Balance transfer APR: 19.24% - 27.74% Variable, no intro offer
- Balance transfer fee: either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, with a fee of either $10 or 5% of each transaction, whichever is greater
- Late payment fee: up to $40
- Foreign transaction fee: none
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You stay at IHG brands a few times a year: the anniversary night plus the fourth-night-free mechanic can repay the $99 fee several times over.
- You want elite treatment immediately, since Platinum Elite comes with the card, not with stays.
- Your spending is spread out, and the 3X everything floor suits it.
- You should skip it if your stays concentrate in another chain: IHG points are strong inside IHG and weak outside it.
IHG One Rewards Premier Credit Card Review
The IHG One Rewards Premier stacks one of the largest point offers among hotel cards on top of an anniversary night and Platinum Elite status. This review tests how far that value goes against the $99 fee and IHG's award pricing.
How You Earn
This card has one of the highest earning floors among hotel co-brands.
- Up to 26X in total at IHG hotels when card, member and elite earnings combine
| Category | Earn rate |
|---|---|
| IHG One Rewards hotels | 10X points per $1 |
| Travel, dining, gas stations | 5X points per $1 |
| All other purchases | 3X points per $1 |
How You Redeem
Points convert to reward nights across IHG's brands, and the card adds two multipliers.
- Fourth reward night free on redemptions of 4 or more nights
- Anniversary night covers hotels priced up to 40,000 points
- Reward nights span Holiday Inn through InterContinental and Six Senses
Benefits and Protections
The benefit stack reaches beyond hotels.
- Up to $120 Global Entry, TSA PreCheck or NEXUS application fee credit every 4 years
- Up to $50 United TravelBank Cash each calendar year after registration
- Trip cancellation and interruption insurance, baggage delay and lost luggage coverage
- One year of DashPass and 3 months of Instacart+ with a monthly Instacart credit
Who This Card Is For
The Premier is for IHG guests who will use the anniversary night annually and can put 4-night award trips on the calendar. Its 3X floor also makes it a reasonable primary card for IHG loyalists. Travelers loyal to Marriott or Hilton should stay inside their own chain's cards.
- IHG regulars, from Holiday Inn Express to Kimpton and InterContinental
- Award travelers who book 4-night point stays
- Cardholders who want instant Platinum Elite
Comparison
| Feature | IHG One Rewards Premier Credit Card | Hilton Honors American Express Surpass® Card | Wyndham Rewards Earner® Plus Card |
|---|---|---|---|
| Annual Fee | $99 | $150 | $95 |
| Welcome Offer | 140,000 points after $3,000 in 3 months | 130,000 points after $3,000 in 6 months | Up to 100,000 points |
| Rewards Rate | 10X IHG, 5X travel, dining, gas, 3X other | 12X Hilton, 6X dining, groceries, gas, 3X other | 6X Wyndham, 4X travel, dining, grocery, 1X other |
| Intro APR | N/A | N/A | 0% on balance transfers, 15 billing cycles |
| Foreign Transaction Fee | None | None | None |
| Best For | IHG free night value | Hilton status and earning | Wyndham road trips |
Issuer Comparison
| Feature | IHG One Rewards Premier Credit Card | IHG One Rewards Traveler Credit Card | IHG One Rewards Premier Business Credit Card |
|---|---|---|---|
| Annual Fee | $99 | $0 | $99 |
| Welcome Offer | 140,000 points after $3,000 in 3 months | 80,000 points after $2,000 in 3 months | 140,000 points after $4,000 in 3 months |
| Rewards Rate | 10X IHG, 5X travel, dining, gas, 3X other | 5X IHG, 3X dining, utilities, gas, 2X other | 10X IHG, 5X business categories, 3X other |
| Key Credits | 40,000-pt night, $50 TravelBank, GE credit | None | 40,000-pt night, $100 credit at $20,000 spend |
| Best For | Personal IHG stays | No-fee IHG entry | IHG business spending |
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