IHG One Rewards Premier Credit Card
Chase's IHG Hotel Card
Annual Fee
$99
Earning Rate
up to 26x at ihg hotels (10x with card + up to 10x member + up to 6x with platinum) • 5x travel, dining & gas • 3x everything else
Welcome Bonus
140,000 points after $3,000 spend in 3 months
Card Material
Plastic card with matte finish • colors: Black
Practical Recommendation
If you can use the annual 40,000-point free night and occasionally book 4-night award stays, this is an "easy keeper." Platinum Elite is automatic, and stacking card + member + status points makes paid IHG stays rack up fast.
If you never set foot in an IHG hotel, skip it. But for casual IHG guests who can aim one night per year at a solid property, the fee is tiny compared to the value — and the $10 monthly Instacart credit Chase added can cover the $99 on its own if you already order groceries.
Credits
- United TravelBank Cash (up to $50 per year) – $25 deposited around Jan 5 and $25 around Jul 5 after one-time registration; each deposit expires the following Jul 15 or Jan 15. Works toward United/United Express flights when booking direct. Use it or lose it. — Register / terms • What is TravelBank
- Global Entry / TSA PreCheck / NEXUS Credit (up to $120) – Pay an application or renewal fee with the card every 4 years and get it reimbursed automatically. Use Global Entry if you ever travel internationally (it includes TSA PreCheck). — Program info • TSA PreCheck
- DoorDash: DashPass + $10 Quarterly Discount (through 12/31/2027) – Activate DashPass with this card for a year; while enrolled, get $10 off one non-restaurant order each calendar quarter. Discount is use-it-or-lose-it and applies to subtotal only. — Offer terms
- Annual Spend Bonus ($100 + 10,000 points) – Spend $20,000 in a calendar year and get a $100 statement credit + 10,000 IHG points. Straightforward if you're already putting big spend here; otherwise do not force it. — See benefit
- Instacart+ (3 months) + $10 Monthly Instacart Credit (through 12/31/2027) – Activate the complimentary three-month Instacart+ membership with this card, then collect a $10 credit every month you have an active Instacart+ membership. Up to $120 a year, but only if you keep paying for Instacart+ once the free months end; unused months do not roll over. — Activate / see terms
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Credit
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Your Value
Practical Tip
You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.
United TravelBank Cash
| What It Is: | $50 per calendar year as two $25 United TravelBank deposits (Jan and Jul) after one-time registration. |
| How It Works: | Link your IHG and United accounts at ihg.com/united; deposits post to your MileagePlus TravelBank and are auto-applied when you choose TravelBank at checkout on United/United Express flights. |
| Gotchas: | Each $25 deposit expires fast (Jan deposit expires Jul 15; Jul deposit expires Jan 15). No transfers, no extensions, United-operated flights only. Registration required; allow up to ~2 weeks for first deposit. |
| Who Actually Benefits: | Flyers who book at least one United ticket every six months. |
| Practical Value: | Real $50 if you fly United sometimes; $0 if you forget the short expiry. |
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Global Entry / TSA PreCheck / NEXUS Credit
| What It Is: | Reimburses one application or renewal fee (up to $120) every four years for Global Entry, TSA PreCheck, or NEXUS. |
| How It Works: | Pay the fee with the card; a statement credit posts automatically in 1–2 billing cycles. Can be used for you or someone else. |
| Gotchas: | One credit per four-year window; only fees paid direct to the official program sites/providers qualify. Government processing times vary. |
| Who Actually Benefits: | Anyone who flies a few times a year and values shorter lines and quicker re-entry. |
| Practical Value: | Easy win; effectively free expedited screening for four years. |
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DoorDash: DashPass + $10 Quarterly Discount
| What It Is: | One-year DashPass membership when activated, plus $10 off one non-restaurant order per calendar quarter while enrolled. |
| How It Works: | Activate with this card in the DoorDash app; keep this card set as payment. The $10 appears in your wallet and auto-applies to a qualifying non-restaurant cart. |
| Gotchas: | Discount does not roll over; taxes/fees/tips still apply. Must activate by Dec 31, 2027. Product changes can forfeit eligibility. |
| Who Actually Benefits: | People who already use DoorDash for convenience/grocery/retail orders a few times a year. |
| Practical Value: | Small but easy savings; set a quarterly reminder or it's $0. |
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Annual Spend Bonus
| What It Is: | $100 statement credit plus 10,000 points after $20,000 in purchases in a calendar year. |
| How It Works: | Track calendar-year spend (Jan 1–Dec 31). After you cross $20,000, expect the credit and points within 6–8 weeks. |
| Gotchas: | Purchases that are cash-like or fees do not count; see exclusions. You must keep the account open and in good standing. |
| Who Actually Benefits: | Cardholders putting significant organic spend here or concentrating IHG hotel spend. |
| Practical Value: | Nice kicker if you already spend heavily; do not chase it. |
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Instacart+ (3 months) + $10 Monthly Instacart Credit
| What It Is: | A complimentary three-month Instacart+ membership plus a $10 Instacart credit each month you have an active Instacart+ membership, through December 31, 2027. |
| How It Works: | Activate on the Chase co-brand page at Instacart, add this card to your Instacart account, and a $10 coupon lands each month; apply it at checkout and pay with this card. |
| Gotchas: | After three free months you must pay for Instacart+ to keep the $10 coming. Unused months do not roll over, and it only works on Instacart.com or in the app. |
| Who Actually Benefits: | People already ordering groceries on Instacart most months; the $10 more than covers the membership fee. |
| Practical Value: | Up to $120 a year with steady use; closer to $30 if you only take the free months. |
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Your Value:
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Annual Fee:
$99
Your Credits:
$0
YOUR Annual Fee:
$99
This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.
Perks
- Earning rates (detail) – 10x at ihg hotels; 5x on travel, dining, and gas; 3x on everything else. Strong earn on IHG stays and common travel/food.
- Platinum Elite status (automatic) – As long as you hold the card. Useful for upgrades, bonus points, and late checkout where available. — See status
- Anniversary Free Night (up to 40,000 points) – One certificate every account anniversary; you can top-off with points to reach a higher-priced night. — Free Night rules
- Fourth Night Free on award stays – Book 4+ consecutive award nights and every 4th night costs 0 points. Great for long weekends and week-long stays. — Benefit details
- Path to Diamond – Spend $40,000 in a calendar year to earn Diamond Elite through Dec 31 of the following year.
- Save 20% on purchased points – When buying points with this card via IHG/Points.com.
- No foreign transaction fees – Use abroad without the extra percentage markup.
Protections
- Trip Cancellation/Interruption – Up to $5,000 per covered traveler / $10,000 per trip for prepaid, non-refundable expenses when trips are canceled/shortened for covered reasons.
- Baggage Delay – $100 per day up to 3 days for essentials when bags are delayed 6+ hours.
- Lost Luggage – Up to $3,000 per covered traveler if bags are lost, stolen, or damaged.
- Purchase Protection – Eligible new purchases covered against damage or theft for 120 days, up to $500 per item.
- Travel Accident Insurance & Travel/Emergency Assistance – AD&D coverage on eligible common-carrier tickets; referral help for emergencies while traveling.