IHG One Rewards Premier Credit Card
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 175,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2.5%
- Annual fee
- $99
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 64% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 64% of the 1,547 cards we track in that category.
| 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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 64% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2.5% effective (5x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
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.
Does the IHG One Rewards Premier Credit Card have an annual fee, and what's the welcome bonus?
The IHG One Rewards Premier Credit Card has an annual fee of $99 and a foreign transaction fee of None. New applicants may see: Earn 175,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.. Confirm current issuer terms before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
- Signup bonus
- Earn 175,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.
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 creditGlobal 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 nightAnniversary 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?
- Anniversary Free Night
Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
- Annual Bnous Spend
Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
- Baggage Delay Insurance
Reimburses 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.
- Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
- DoorDash
Get 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.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- 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.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the IHG One Rewards Premier Credit Card welcome bonus?
The IHG One Rewards Premier Credit Card welcome offer in our snapshot: Earn 175,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the IHG One Rewards Premier Credit Card annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the IHG One Rewards Premier Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the IHG One Rewards Premier Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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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