IHG One Rewards Premier Credit Card
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How we calculate effective rate →
The IHG One Rewards Premier Credit Card from Chase earns up to 2.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn up to 185,000 Bonus Points - earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening.* Plus, earn 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening for a total of 185,000 bonus points..
- Top category
- Dining
- Effective value
- 2.5%
- Annual fee
- $99
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the IHG One Rewards Premier Credit Card earn in each category?
Dining is the strongest category at 2.5% effective value (5x points at about 0.5 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how IHG One Rewards Premier Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Dining is the strongest category at 2.5% effective value (5x points at about 0.5 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how IHG One Rewards Premier Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 5x points | 2.5% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 1.5% |
| Gas Gas stations and fuel | 5x points | 2.5% |
| Travel Flights, hotels, transit | 3x points | 1.5% |
| Other General everyday spend | 3x points | 1.5% |
Madeen values IHG One Rewards at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the IHG One Rewards Premier Credit Card reward caps and conditions?
The IHG One Rewards Premier Credit Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 5X total points on dining
- Earn 5X total points at gas stations
Who should get the IHG One Rewards Premier Credit Card?
The IHG One Rewards Premier Credit Card fits spenders who put meaningful volume in dining and can earn 5x points. Best for spenders who put meaningful volume in dining and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
IHG One Rewards Premier Credit Card fits spenders who put meaningful volume in dining and can earn 5x points. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.5% effective (5x points).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- IHG One Rewards value depends on how you redeem, not straight cash back.
What is the IHG One Rewards Premier Credit Card welcome bonus?
In Madeen's catalog snapshot, the IHG One Rewards Premier Credit Card welcome offer is Earn up to 185,000 Bonus Points - earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening.* Plus, earn 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening for a total of 185,000.
- Offer
- 150k IHG One Rewards (~$750 estimated)
- Terms (catalog snapshot)
- Earn up to 185,000 Bonus Points - earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening.* Plus, earn 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening for a total of 185,000 bonus points.
- Minimum spend
- $3,000
- Window
- 3Months
Does the IHG One Rewards Premier Credit Card have an annual fee?
The IHG One Rewards Premier Credit Card has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the IHG One Rewards Premier Credit Card include?
The IHG One Rewards Premier Credit Card includes Trusted traveler credit, Free hotel night, Anniversary Free Night, Annual Bnous Spend and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Global Entry, TSA PreCheck® or NEXUS Statement Credit - Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
Free hotel night
Anniversary Free Night - Enjoy a reward night after each account anniversary year at IHG hotels worldwide
What benefits come with the IHG One Rewards Premier Credit Card?
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation/Trip Interruption Insurance
$5,000/yrIf your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Lost Luggage Reimbursement
$3,000/yrIf you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Up to $120 in Instacart credits
$1,440/yrReceive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Global Entry, TSA PreCheck® or NEXUS Statement Credit
$120/yrCredit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
Annual Bnous Spend
$100/yrEarn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Related encyclopedia topics
What annual spend bonuses does the IHG One Rewards Premier Credit Card offer?
- Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Common questions about the IHG One Rewards Premier Credit Card
Where do cardholders spend most with the IHG One Rewards Premier Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (5x), fast food (5x), other food and drink (5x) for the IHG One Rewards Premier Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the IHG One Rewards Premier Credit Card worth it?
The IHG One Rewards Premier Credit Card from Chase earns up to 2.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn up to 185,000 Bonus Points - earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening.* Plus, earn 35,000 bonus points after spending a.
How much is 140,000 IHG points worth?
Dining is the strongest Madeen category for the IHG One Rewards Premier Credit Card at about 2.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the IHG One Rewards Premier Credit Card have an annual fee?
The IHG One Rewards Premier Credit Card carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the IHG One Rewards Premier Credit Card?
Dining is the strongest Madeen category for the IHG One Rewards Premier Credit Card at about 2.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the IHG One Rewards Premier Credit Card charge foreign transaction fees?
The IHG One Rewards Premier Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the IHG One Rewards Premier Credit Card compare to similar cards?
Compare the IHG One Rewards Premier Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
IHG One Rewards Premier Credit Card This card | Dining | 2.5% | $99 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure