IHG One Rewards Premier Select Credit Card
Chase IHG Premier Select (Platinum status / 60k anniversary free night / conditional benefits)New launch limited-time welcome offer: 200,000 points
Earn 200,000 points after $5,000 in eligible purchases in the first 3 months after opening. The limited-time offer ends 2026/11/18. Under the recorded public terms, current Premier Select holders and former holders who received this card's new-cardmember bonus within 24 months are ineligible. These terms do not categorically exclude all personal IHG cards; applications still require Chase approval, and channel offers may differ. Points post about 6–8 weeks after qualifying, with the account open and not in default at posting. Transfers, cash equivalents, cryptocurrency, gambling, person-to-person transfers, funding, checks, interest, fees and unauthorized transactions do not count. Points value depends on redemption and is not cash.
WELCOME OFFER RECORDS
Welcome offer records
New launch limited-time promotion (200k points / $5,000 spending requirement)
Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View recorded offer details1 records
Decision considerations
As of 2026/10/02, the public limited-time offer is 200,000 points after $5,000 in spending in the first 3 months, ending 2026/11/18. At an assumed 0.5¢ per point, its estimated value is about $1000, not cash or a guaranteed stay value. The annual fee is $350. Hotel dining vouchers, airfare credits and free-night certificates have usage conditions and cannot simply be added to guarantee break-even. This is a new product with only one recorded launch offer, which does not establish a historical best.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2026/10/01–present (browsing as of )Original record: 2026/10/01–2026/11/18 (new launch limited-time promotion)Current record | 200,000 IHG points (limited-time promotion) | $5,000 in the first 3 months | Public offer checked on 2026/10/02: 200,000 points after $5,000 in the first 3 months, through 2026/11/18, subject to eligibility. Estimated value is not cash. |
IHG One Rewards Premier Select points and value estimator
Card points are estimated assuming constant monthly spending for 12 months. Hotel-member points, annual spending-threshold bonuses, free-night certificates, dining vouchers, TravelBank and airfare credits are excluded. The welcome offer requires eligibility and the first 3 months' spending threshold, not automatically inferred from annual spending. Points value is a chosen assumption, not cash; interest and other fees are not deducted.
Points redemption valuation:
Annual points from card spending
Total first-year points (assuming eligibility for the 200,000-point welcome offer)
First-year points value less annual fee (welcome offer assumed earned; conditional benefits excluded)
JavaScript is disabled, so interactive estimates are unavailable. Card conditions and benefits remain readable.
Why choose IHG Premier Select over a general cash-back card?
| Benefit | IHG Premier Select premium card | General cash-back card (1.5%) |
|---|---|---|
| Welcome offer | ✓ 200,000 points (record-breaking launch promotion, estimated at about $1,000) | ✗ Usually about $150 – $200 cash back |
| Premium free-night certificate | ✓ Annual free-night certificate capped at 60,000 points (points top-ups for luxury Regent / InterContinental stays) | ✗ No free-night benefit |
| Higher annual credits | ✓ Annually: $300 dining + $200 airfare + $50 United TravelBank ($550 total) | ✗ No travel credits |
| Hotel stay rewards | ✓ Up to 28X at IHG hotels (12X card points + 6X Platinum bonus + 10X member points) | ✗ Fixed 1.5%, with no redemption-value boost |
| Higher-tier elite benefits | ✓ Automatic IHG Platinum Elite status + 20 elite night credits annually | ✗ No hotel elite qualification |
| Fourth-night-free points redemptions | ✓ Fourth night free without an annual spending condition, increasing points value by 33% | ✗ No points-stay discount |
| High-spending rewards | ✓ Spend $40,000 in a calendar year for an additional 60k free-night certificate + Diamond status | ✗ No high-spending tiered incentives |
| Travel and rental protection | ✓ Primary rental CDW outside the United States, baggage delay and trip cancellation coverage | ✗ Only secondary coverage or no travel insurance |
| Foreign transaction fee | ✓ $0 foreign transaction fee (no extra issuer fee on worldwide business or leisure travel) | ✗ Usually a 3% fee |
| Annual fee | ✓ $350 (combined credits of $550, effectively exceeding the holding cost) | ✗ $0 |
Rewards and everyday benefits
- Up to $300 in IHG Food & Beverage RewardsReceive a $75 IHG hotel dining voucher each calendar quarter, up to $300 annually, for eligible dining charged to the primary cardholder's room during a participating hotel stay. Each voucher expires that quarter, is single-use and forfeits any unused balance. General restaurants, third-party delivery and certain hotels are excluded.
- $200 Annual Airline Statement CreditOne direct airline purchase of at least $250 per calendar year automatically earns a $200 statement credit. The benefit currently runs through 2027/12/31; refunds, cancellations or transaction changes may reverse it, and the account must be open and not in default.
- Up to $50 Annual United TravelBank CashFirst register the card with a United MileagePlus account. Receive $25 in TravelBank Cash each half-year, up to $50 annually, usable only for eligible United airfare. Check the stored balance's expiry date; it is not general cash or a statement credit.
- Up to 28X Total Points at IHG Hotels & ResortsEligible card purchases at participating IHG hotels earn 12X card points. When IHG direct-booking and stay conditions are met, up to 10X member points plus a Platinum 60% bonus, up to 6X, bring the total to as much as 28X. Some brands have lower rates.
- 6X Points on Dining & TravelRestaurants worldwide, including takeout and eligible delivery, and regular travel purchases such as flight bookings earn 6 points per dollar.
- 3X Points on All Other PurchasesAll other everyday card purchases earn 3 points per $1 spent. Rewards grow with spending and have no cap.
- Anniversary Free Night Award (60,000 Points)Starting 12 months after opening, receive an anniversary certificate for a standard room costing up to 60,000 points, including room taxes. Account points can top it up for a higher-priced standard room. Redemption and the stay must both be completed within 12 months of issuance, subject to award availability. Parking, resort fees and other incidental charges are separate; a top-up does not guarantee a room-category upgrade.
- Automatic Redeem 3 Nights, Get 4th FreeOn a single standard-room points-only booking of at least 4 consecutive nights at the same hotel, every 4th night costs 0 points, with no annual spending threshold. Paid stays, Points & Cash and using annual certificates to reach 4 nights are excluded. Availability and hotel cancellation rules apply. Savings equal 25% only when all four nights have the same points price.
- Automatic Platinum Elite StatusHolding the card with an IHG account in good standing provides Platinum Elite and a 60% bonus on eligible stay points. Room upgrades, early check-in and checkout as late as 2 p.m. depend on hotel terms and availability. Lounge access and complimentary breakfast are not guaranteed.
- 20 Elite Night Credits Every YearReceive 20 elite night credits about 6–8 weeks after opening, then by 2/1 (month/day) each calendar year rather than the card anniversary. Each $5,000 in eligible spending earns another 2 nights, counting toward status and milestones under the terms. At 40 nights, annual lounge membership may be selected within 90 days; it is not automatic.
- Annual Spend: Diamond at $25,000; Free Night at $40,000Eligible calendar-year spending of $25,000 earns Diamond status for that year and the next. Spending $40,000 also earns a standard-room certificate capped at 60,000 points, with points top-ups allowed and subject to availability. Each $5,000 earns 2 additional nights; $15,000 earns another 5 nights and 20,000 points. Diamond breakfast must be selected as the welcome amenity at applicable brands and is not guaranteed at every hotel.
- Global Entry / TSA PreCheck / NEXUS CreditReceive up to $120 toward Global Entry, TSA PreCheck or NEXUS expedited-screening application fees every 4 years.
- Auto Rental Collision Damage WaiverPay the entire rental transaction with this card and/or eligible rewards and decline the rental company's CDW/LDW. Eligible vehicle theft or collision damage is covered up to $60,000 for rentals of at most 31 days. Coverage is generally secondary in the United States and may be primary outside it; where local CDW/LDW cannot be declined, coverage is secondary. Third-party liability and personal injury are not covered.
- Trip Cancellation & Interruption InsurancePay eligible trip costs with this card and/or eligible rewards. If a trip is canceled or interrupted for a covered reason, such as specified illness or severe weather, eligible prepaid nonrefundable expenses may be reimbursed up to $5,000 per covered traveler, $10,000 per trip and $20,000 per account per 12 months.
- Baggage Delay & Lost LuggageFor baggage delayed more than 6 hours, reimbursement is up to $100 per day for at most 3 days. Lost, damaged or stolen baggage is covered up to $3,000 per traveler.
- Purchase Protection & Extended WarrantyEligible purchases damaged or stolen within 120 days of purchase, or 90 days for New York residents, are covered up to $500 per item and $50,000 per account. Extended warranty adds 1 year to eligible original U.S. repair warranties with combined warranty terms of at most 3 years. Payment, claim and exclusion terms apply.
- No Foreign Transaction FeesThis card has no foreign transaction fee. Exchange-rate differences, merchant surcharges and dynamic currency conversion (DCC) charges may still apply.
Frequently asked questions and card tips
Whether the $350 annual fee is worthwhile depends on actual stays, redemptions and benefit usage. The $300 in hotel dining vouchers, $200 airfare credit and up to $50 in TravelBank have different conditions and expiry dates; adding their face values does not represent cash income. Anniversary certificates begin 12 months after opening, and this calculator does not assume these benefits are used.
Receive a $75 IHG hotel dining voucher each calendar quarter, up to $300 annually, for eligible dining charged to the primary cardholder's room during a participating hotel stay. Each voucher expires that quarter, is single-use and forfeits any unused balance. General restaurants, third-party delivery and certain hotels are excluded. One direct airline purchase of at least $250 per calendar year automatically earns a $200 statement credit. The benefit currently runs through 2027/12/31; refunds, cancellations or transaction changes may reverse it, and the account must be open and not in default.
Starting 12 months after opening, receive an anniversary certificate for a standard room costing up to 60,000 points, including room taxes. Account points can top it up for a higher-priced standard room. Redemption and the stay must both be completed within 12 months of issuance, subject to award availability. Parking, resort fees and other incidental charges are separate; a top-up does not guarantee a room-category upgrade. For a standard room costing 85,000 points, add 25,000 points, without a guarantee of a specific hotel or room type. Certificates and fourth night free are separate: the latter requires an eligible consecutive points-only stay, and certificates cannot count toward its four nights.
Receive 20 elite night credits about 6–8 weeks after opening, then by 2/1 (month/day) each calendar year, not the card anniversary. Each $5,000 in eligible spending earns another 2 nights, counting toward status and milestones under the terms. At 40 nights, annual lounge membership may be selected within 90 days; it is not automatic. After 40 nights, membership must be selected and is limited to eligible stays at hotels with participating lounges, for the member and one companion. Validity follows the milestone year, not the card-opening year.
Chase's 5/24 is a commonly observed application-review guideline, not an approval guarantee. Under the recorded public terms, current Premier Select holders and former holders who received this card's new-cardmember bonus within 24 months are ineligible. These terms do not categorically exclude all personal IHG cards; applications still require Chase approval, and channel offers may differ. Ask Chase whether product changes are available; a product change should not be assumed to qualify for this new-application welcome offer.
