IHG One Rewards Premier Credit Card
A $99-annual-fee miles card from JPMorgan Chase Bank, National Association, with a $1,400 signup bonus.
JPMorgan Chase Bank, National Association · MASTERCARD
- Annual fee
- $99
- Purchase APR
- 19.24–27.74%variable
- Signup bonus
- $1,400
- Foreign transaction
- None
Earn Rules
| Travel | 5x IHG |
| Dining | 5x IHG |
| Gas | 5x IHG |
| All Other | 3x IHG |
Points are converted to cash at a conservative per-program rate. Most programs publish no guaranteed cash value, so those rates are estimates of typical redemption value, not guarantees. Actual value depends on how you redeem. See how we value points →
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| at IHG® Hotels and Resorts | 10x IHG |
| with Platinum Elite Status | 6x IHG |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| Anniversary Free Night with a current point redemption cap of 40,000 pointsyearSource ↗ | $250/yr |
| Monthly $10 Instacart credit, up to $120 annuallymonthlySource ↗ | $120/yr |
| $100 statement credit after spending $20,000 each calendar yearyearSource ↗ | $100/yr |
| Up to $50 United® Airlines TravelBank Cash each calendar yearyearSource ↗ | $50/yr |
+ Show 2 more credits
| Up to $10 off quarterly on non-restaurant DoorDash ordersquarterlySource ↗ | $40/yr |
| Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every four yearsevery 4 years (amortized)Source ↗ | $25/yr |
| Total credits / year we count | $585 |
The total counts each credit at face value, and only the ones reachable at this spending level.
Signup Bonus
Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.
Value: $1,400 · Spend $3,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 27.74% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People who will spend $1,000 a month for the next 3 months anyway. That clears the $3,000 required for the $1,400 bonus, which covers the $99 fee and then some in year one.
- People whose stays are mostly with JPMorgan Chase Bank, National Association. The 10x is where this card beats a general-purpose one, and it only applies to that spending.
Wondering if this card pays off for your situation? Is the IHG One Rewards Premier Credit Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- British Airways Visa Signature® Credit Card$1,249 (+$285)
- Iberia Visa Signature® Credit Card$1,245 (+$280)
- Marriott Bonvoy Boundless® Credit Card$1,149 (+$184)