Chase
IHG One Rewards Premier Credit Card
Annual Fee
$99
Bonus Value
$840
Min Spend
$3K/3mo
Current Welcome Offer
140,000
IHG One Rewards Points — worth ~$840
Spend $3,000 in 3 months
Highest since tracking startedOffer history since tracking began
40 data points
Offer details may have changed
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Key facts
| Annual fee | $99 |
|---|---|
| Welcome bonus | 140,000 IHG One Rewards Points after $3,000 spend in 3 months |
| Bonus value estimate | ~$840 |
| Points program | IHG One Rewards |
| Card network | Mastercard |
What you get
All 5 perks ↓Perks/yr up to
$405
Annual Fee
$99
Covers fee (realistic use)
2.1×
Historical Intelligence
Offer history & timing
As of today, the IHG One Rewards Premier Credit Card welcome offer is 140,000 points. CreditPoints has tracked 2 offer changes for this card; the tracked average is 142,000 points and the highest offer in our dataset is 180,000 points (October 2026).
Current
140,000
Average
142,000
Tracked High
180,000
Recent changes
2026-10
chase
2026-08
chase
Highest observed since tracking started: 180,000 (2026-10)
Timing Intelligence
Strong time to apply
This offer is at or near the best in our offer-history dataset. The current offer of 180,000 is at or near the highest we have on record (180,000). Elevated offers on this card typically don't last more than 30–60 days.
Current offer
140,000
IHG One Rewards Points
Based on 2 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$1,417 net first-year value
Timing
Strong time to apply
This offer is at or near the best in our offer-history dataset. The current offer of 180,000 is at or near the highest we have on record (180,000). Elevated offers on this card typically don't last more than 30–60 days.
Verified from issuer · Aug 25
Value
First-year value estimate
Conservative
+$1,253
65% benefit utilization, minimal travel redemptions
Realistic
+$1,417
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,643
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$577/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists · rewards valued at what a holder of THIS card can redeem — no companion premium card is assumed. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $405/yr in benefits
✈️travel credit
Global Entry / TSA PreCheck Credit
$25/yr
$100 Global Entry or $85 TSA PreCheck credit every 4 years (~$25/yr amortized).
🏨hotel credit
Annual Free Night Certificate
$80/yr
One free anniversary night (up to 40K IHG Rewards points) each account anniversary.
IHG properties up to 40K points/night
4th Night Free on Award Stays
$100/yr
When redeeming IHG Rewards points for 4+ consecutive nights, the 4th night is free.
IHG award stays; 4th consecutive night is free
🛫airline credit
$50 United Flight Credit
$50/yr
$50 annual statement credit on United Airlines flight purchases.
United Airlines purchases
⭐status
IHG Platinum Elite Status
$150/yr
Automatic IHG Platinum Elite status — room upgrades, lounge access, bonus points, complimentary breakfast.
Live Data
Issuer data snapshot
Card details captured: May 14, 2026
medium confidenceEstimated Net Annual Value
$1,401
after annual fee
Transfer Partners
Hotels (1)
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Loyal hotel guests who want elite status perks and free nights
Not Best For
- People seeking a no-annual-fee option with similar rewards
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
140,000 IHG One Rewards Points
Last verified
Aug 25, 2026
Annual fee
$99/year
Compare & Alternatives
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Alternatives
Compare with similar cards
Alternatives
Consider these cards instead
Chase
World of Hyatt
Hyatt loyalists who want to accelerate Globalist status and earn free nights at premium properties
$95/yr
30,000 pts
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Chase
Bonvoy Boundless
Lower-fee option if you don't need all the premium perks.
$95/yr
3 pts
View review
Amex
Hilton Aspire
Step-up option with more premium benefits for heavy travelers.
$550/yr
200,000 pts
View review
FAQ
Frequently asked questions
What's the current IHG Premier welcome bonus?
140,000 IHG One Rewards Points after spending $3,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the IHG Premier worth the $99 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$840 estimated cash value) plus up to ~$405/yr in tracked benefits and credits typically covers the $99 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the IHG Premier?
The highest-value benefits we track on the IHG Premier: IHG Platinum Elite Status (~$150), 4th Night Free on Award Stays (~$100), Annual Free Night Certificate (~$80), $50 United Flight Credit (~$50). Combined tracked benefit value is up to ~$405 per year against the $99 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for IHG Premier?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in IHG Premier's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the IHG Premier come with?
Chase doesn't publish credit limits for the IHG Premier — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Does Chase's 5/24 rule apply to IHG Premier?
Yes. IHG Premier is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
Editorial guides
More on IHG Premier and Chase
Hotel Status Match Guide 2026: Which Chains Match and How
Hilton, Wyndham, Choice, Best Western, and Sonesta match on request; Marriott matches by phone; Hyatt and IHG do not. The rules, the once-per-lifetime traps, the cards that skip the match, and the order to chain them in.
Read
How to Transfer Chase UR to IHG One Rewards (2026): Worth It?
Chase Ultimate Rewards transfers to IHG One Rewards at 1:1, but IHG points are worth ~0.5 cents. The honest mechanics, the 4th-night-free perk, sweet spots, and when topping off actually makes sense.
Read
IHG One Rewards: The Complete 2026 Program Guide
The Chase UR-exclusive hotel program with 4th-night-free + Six Senses/Regent premium-tier — Kimpton boutique urban + InterContinental Paris/Hong Kong sweet spots.
Read
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
IHG One Rewards Premier Credit Card
Current offer: 140,000 IHG — worth ~$840
View Official OfferChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
IHG Premier
140,000 IHG offer