IHG One Rewards Premier Credit Card
Chase IHG cobranded card (50k anniversary free night / fourth night free / conditional benefits)New limited-time welcome offer: 180,000 points
Earn 180,000 points after $3,000 in eligible purchases in the first 3 months after opening. The limited-time offer ends 2026/11/18. Under the recorded public terms, this product is unavailable to current holders of any personal IHG card or former personal IHG cardholders who received any personal IHG new-cardmember bonus within 24 months. Business cards are outside this restriction. 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 limited-time bonus (180k points / $3,000 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 details8 records
Decision considerations
As of 2026/10/02, the public limited-time offer is 180,000 points after $3,000 in spending in the first 3 months, ending 2026/11/18. At an assumed 0.5¢ per point, its estimated value is about $900, not cash or a guaranteed stay value. The annual fee for new applications is $150. Dining benefits are quarterly IHG hotel vouchers, and the airfare credit requires a single direct purchase of at least $250.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/09/16–2025/10/31 | 165,000 IHG points | $4,000 in the first 3 months | Limited-time fall bonus: spend $4,000 in the first 3 months for 165,000 points, estimated at $825. |
| 2025/11/01–2026/01/14 | 140,000 IHG points | $3,000 in the first 3 months | Standard baseline offer: earn 140,000 points after $3,000 in the first 3 months after opening. |
| 2026/01/15–2026/03/19 | 175,000 IHG points | $5,000 in the first 3 months | Limited-time winter promotion: spend $5,000 in the first 3 months for 175,000 points, estimated at $875. |
| 2026/03/20–2026/04/29 | 140,000 IHG points | $3,000 in the first 3 months | Return to the standard baseline: earn 140,000 points after $3,000 in spending. |
| 2026/04/30–2026/06/25 | Up to 185,000 points | $3,000 in the first 3 months; $6,000 total in the first 6 months | Recorded spring promotion lasting 56 days: spend $3,000 in the first 3 months for 150k points, then reach $6,000 total in the first 6 months for another 35k points, with a total estimated value of $925. |
| 2026/06/26–2026/08/31 | 140,000 IHG points | $3,000 in the first 3 months | Return to the standard baseline: earn 140,000 points after $3,000 in the first 3 months. |
| 2026/09/01–2026/09/30 | 140,000 IHG points (another 10k for adding an authorized user) | $3,000 in the first 3 months | Standard public offer: spend $3,000 in the first 3 months for 140,000 points, with another 10,000 points for adding an authorized user. |
| 2026/10/01–present (browsing as of )Original record: 2026/10/01–2026/11/18 (new limited-time promotion)Current record | 180,000 IHG points (limited-time promotion) | $3,000 in the first 3 months | Public offer checked on 2026/10/02: 180,000 points after $3,000 in the first 3 months, through 2026/11/18, subject to eligibility. Estimated value is not cash. |
IHG One Rewards Premier 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 180,000-point welcome offer)
First-year points value less annual fee (welcome offer assumed earned; conditional benefits excluded)
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Why choose IHG Premier over a general cash-back card?
| Benefit | IHG One Rewards Premier | General cash-back card (1.5%) |
|---|---|---|
| Welcome offer | ✓ 180,000 points (limited-time promotion, estimated at about $900) | ✗ Usually about $150 – $200 cash back |
| Annual free-night certificate | ✓ Annual free-night certificate capped at 50,000 points (unlimited points top-up for higher-priced luxury hotels) | ✗ No free-night benefit |
| Annual spending credits | ✓ Annually: $100 dining + $100 airfare + $50 United TravelBank | ✗ No travel credits |
| Hotel stay rewards | ✓ Up to 24X at hotels (10X card points + up to 10X member points + 4X status bonus) | ✗ Fixed 1.5%, with no redemption-value boost |
| Fourth-night-free points redemptions | ✓ Fourth night free without an annual spending condition, increasing points value by 33% | ✗ No points-stay discount |
| Automatic status and elite qualification | ✓ Automatic Gold Elite status + 15 elite night credits annually | ✗ No hotel elite benefits |
| Expedited airport screening | ✓ Up to $120 toward Global Entry / TSA PreCheck every 4 years | ✗ No expedited-screening credit |
| Foreign transaction fee | ✓ $0 foreign transaction fee (no issuer fee on worldwide spending) | ✗ Usually a 3% fee |
| Annual fee | ✓ $150 (credits exceed the annual fee) | ✗ $0 |
Rewards and everyday benefits
- Up to $100 in IHG Food & Beverage RewardsReceive a $25 IHG hotel dining voucher each calendar quarter, up to $100 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.
- $100 Annual Airline CreditOne direct airline purchase of at least $250 per calendar year automatically earns a $100 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 24X Points at IHG Hotels & ResortsEligible card purchases at participating IHG hotels earn 10X card points. When IHG direct-booking and stay conditions are met, up to 10X member points plus a Gold 40% bonus, up to 4X, bring the total to as much as 24X. Some brands have lower rates.
- 5X Points on Eligible Travel, Dining, Groceries & GasRestaurants, eligible takeout and delivery, groceries and gas stations earn 5X. General eligible travel purchases posted through 2026/12/31 earn 5X. From 2027/1/1, only direct airline purchases and rental-car companies earn 5X in the travel category; other travel earns 3X.
- 3X Points on All Other PurchasesAll other everyday purchases earn 3 points per $1, with no rewards cap.
- Anniversary Free Night Award (50,000 Points)Starting 12 months after account opening, receive one standard-room free-night certificate worth up to 50,000 points at each account anniversary, including room taxes. Add points from your account to redeem a standard room requiring more points. Redemption and the stay must be completed within 12 months of issuance, subject to award-room availability. Parking, resort fees and other incidental charges are extra; adding points 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 Gold Elite StatusCardholders with an IHG account in good standing receive Gold Elite status, with a 40% bonus on base points from qualifying stays. Status takes effect about 6–8 weeks after account opening. Late checkout depends on hotel availability; a room upgrade is not guaranteed.
- 15 Elite Night Credits Every YearReceive 15 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.
- Global Entry / TSA PreCheck / NEXUS CreditReceive up to $120 toward Global Entry, TSA PreCheck or NEXUS expedited-screening application fees every 4 years.
- 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 InsuranceWhen baggage is delayed more than 6 hours, reimbursement for replacement clothing and necessities is up to $100 per day for at most 3 days.
- Lost Luggage ReimbursementBaggage lost or damaged during checked transport is covered up to $3,000 per traveler.
- 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.
- 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
Starting 12 months after opening, receive an anniversary certificate for a standard room costing up to 50,000 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 70,000 points, add 20,000 points to the certificate. This is not a room upgrade, and certificates cannot count toward fourth night free.
Receive a $25 IHG hotel dining voucher each calendar quarter, up to $100 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 $100 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. New applicants pay a $150 annual fee. Existing cardholders' benefits take effect under individual Chase notices, with the fee adjusted in 2027; the old $99 fee cannot be applied to new applications.
On 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. For example, at 30,000 points each, four nights fall from 120,000 to 90,000 points.
Chase's 5/24 is a commonly observed application-review guideline, not an approval guarantee. Under the recorded public terms, this product is unavailable to current holders of any personal IHG card or former personal IHG cardholders who received any personal IHG new-cardmember bonus within 24 months. Business cards are outside this restriction.
