IHG® Rewards Select
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How we calculate effective rate →
The IHG® Rewards Select from Chase earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $49.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $49
Best for dining-heavy spend when the $49 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points.
What does the IHG Rewards Select earn in each category?
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how IHG Rewards Select compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how IHG Rewards Select compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 1% |
| Gas Gas stations and fuel | 2x points | 1% |
| Travel Flights, hotels, transit | 1x points | 0.5% |
| Other General everyday spend | 1x points | 0.5% |
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 Rewards Select reward caps and conditions?
The IHG Rewards Select has 3 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.
- 2X at restaurants
- 2X at gas stations
- 2X at grocery stores
Who should get the IHG Rewards Select?
The IHG Rewards Select fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points.
IHG Rewards Select fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 2% 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 2x points.
Less compelling if the $49 annual fee is hard to offset.
Best for dining-heavy spend when the $49 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (2x points).
- No foreign transaction fee listed.
Cons
- $49 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- IHG One Rewards value depends on how you redeem, not straight cash back.
Does the IHG Rewards Select have an annual fee?
The IHG Rewards Select has an annual fee of $49 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $49
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the IHG Rewards Select
Where do cardholders spend most with the IHG Rewards Select?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), groceries (2x) for the IHG Rewards Select. 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 an IHG Rewards credit card worth it?
The IHG® Rewards Select from Chase earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $49.
Does the IHG Rewards Select have an annual fee?
The IHG Rewards Select carries an annual fee of $49 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 Rewards Select?
Dining is the strongest Madeen category for the IHG Rewards Select at about 1% 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 Rewards Select charge foreign transaction fees?
The IHG Rewards Select 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.
Is the IHG Rewards Select annual fee worth it?
Whether the $49 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the IHG Rewards Select compare to similar cards?
Compare the IHG Rewards Select 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 Rewards Select This card | Dining | 1% | $49 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
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