IHG One Rewards Premier
- Annual fee
- $99
- Network
- mastercard
- Type
- personal
It earns IHG One Rewards points, with its highest earning rate on eligible IHG Hotels & Resorts purchases and additional points on select everyday spending.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$160 of the advertised value — 27% — comes with strings attached.
- $590 advertised across 5 benefits.
- $160 (27%) needs a booking, enrollment, or deadline.
- Biggest credit — Monthly Instacart Credit, $120 — only via Instacart.
- Fourth Reward Night Free ($200) posts automatically. No hoops.
- No-hoops value covers 434% of the annual fee.
- You book travel through Instacart.
- You'll actually use Fourth Reward Night Free.
- 10× on IHG Hotels & Resorts matches your spend.
- You book direct, not via Instacart.
Welcome offer
Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
- Est. value
- $700
- Minimum spend
- $3,000
- Within
- 3 mo
Earning rates
- All other purchases3×ptsIHG One Rewards
- Top earnIHG Hotels & ResortsWhen paying with the IHG One Rewards Premier Credit Card at IHG properties10×ptsIHG One Rewards · Earns 10X points from the credit card itself. Combined with IHG member base points (10X) and Platinum Elite status bonus (6X) provided by the card, this totals up to 26X points per $1 spent at IHG properties.
- Travel5×ptsIHG One Rewards
- Gas stations5×ptsIHG One Rewards
- Dining5×ptsIHG One Rewards
On-card benefits & credits
- Fourth Reward Night Free$200/Annual
For a standard-room Reward Night stay of at least four consecutive nights at the same IHG property, every fourth night costs zero points. It applies to points-only stays, not paid or Points & Cash bookings.
- Anniversary Free Night$200/Annual
Receive one Anniversary Free Night each account anniversary, valid at IHG hotels costing up to 40,000 points; points may be added for higher-priced hotels. The stay must be completed within 12 months of issuance.
- Global Entry, TSA PreCheck or NEXUS Credit$120/One-time
Receive one statement credit of up to $120 every four years after charging an eligible Global Entry, TSA PreCheck or NEXUS application fee to the card.
- DoorDash Non-Restaurant Discount$10/Quarterly
Active DashPass members receive $10 off one qualifying non-restaurant DoorDash order each calendar quarter through December 31, 2027. Unused value expires each quarter.
- Monthly Instacart Credit$10/Monthly
Receive one $10 Instacart credit each month through December 31, 2027 while an active Instacart+ membership is maintained. Use it on one purchase of at least $10; unused credit does not roll over.
- No Foreign Transaction Fees$0/Annual
The card charges no foreign transaction fees for purchases made outside the United States.
- Travel Accident Insurance$0/Annual
Provides accidental death or dismemberment coverage when eligible air, bus, train or cruise transportation is paid for with the card.
- 12 Months Complimentary DashPass$0/One-time
Activate by December 31, 2027 for 12 complimentary months of DashPass on DoorDash and Caviar. The membership automatically renews at the then-current monthly rate unless canceled.
- Lost Luggage Reimbursement$0/Annual
Reimburses repair or replacement of checked or carry-on baggage that is lost, damaged or stolen during a covered trip, up to $3,000 per covered traveler.
- Early Access to IHG Reward Night Sales$0/Annual
Cardmembers receive early access to IHG Reward Night sales when offered, subject to campaign dates and booking restrictions.
- Auto Rental Coverage$0/Annual
Covers theft and collision damage for most rental vehicles when the entire rental is charged to the card and the rental company's collision insurance is declined. In the U.S., coverage is secondary to personal insurance.
- Purchase Protection$0/Annual
Covers eligible new purchases against damage or theft for 120 days from purchase, up to $500 per item. Source 1 notes New York residents have a 90-day coverage period.
- Baggage Delay Insurance$0/Annual
Reimburses essential purchases such as toiletries and clothing when baggage is delayed more than six hours, up to $100 per day for three days.
- Extended Warranty Protection$0/Annual
Adds one year to an eligible manufacturer's U.S. warranty of three years or less, up to four years from the purchase date.
- Trip Cancellation and Interruption Insurance$0/Annual
Reimburses prepaid, nonrefundable travel expenses if a covered trip is canceled or interrupted by sickness, severe weather or another covered situation. Coverage is up to $5,000 per covered traveler and $10,000 per trip.
- 3 Months Complimentary Instacart+$0/One-time
Activate by December 31, 2027 to receive three complimentary months of Instacart+. It automatically converts to a paid annual membership unless canceled, subject to the terms.
- Automatic IHG Platinum Elite Status$0/Annual
Automatic IHG One Rewards Platinum Elite status while you remain a Premier cardmember and your IHG account remains in good standing.
- IHG Diamond Elite Status (Spend Tier)$0/Annual
Unlocks after $40,000 calendar-year spend on the card. The primary cardmember receives IHG Diamond Elite status through December 31 of the following year.
- 20% Off IHG Points Purchases$0/Annual
Save at least 20% when purchasing IHG points with the card. The discount cannot be combined with another points-purchase offer.
- Travel and Emergency Assistance$0/Annual
Provides legal and medical referrals and other travel and emergency assistance while away from home. The cardholder remains responsible for costs of goods or services obtained.
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