The IHG One Rewards Premier Credit Card is Chase’s primary personal IHG credit card and one of the easiest IHG cards to justify keeping long term.
Its core value is simple: Platinum Elite Status + Annual 40K Free Night + 4th Night Free on award stays.
If you regularly stay at InterContinental, Kimpton, Hotel Indigo, Crowne Plaza, Holiday Inn, or other IHG properties, this card can be particularly useful.
👉 Apply for the IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card Benefits
| Benefit | Details |
|---|---|
| Annual Fee | US$99 |
| Authorized User Fee | US$0 |
| IHG One Rewards Status | Platinum Elite |
| Anniversary Free Night | 1 × 40K Free Night each year |
| Free Night Top-Off | Add IHG Points for stays requiring more than 40K |
| 4th Night Free | Stay 4+ consecutive award nights → 4th night free |
| Diamond Elite | Spend US$40,000 per calendar year |
| Annual Spending Benefit | Spend US$20,000 → US$100 Statement Credit + 10K Points |
| IHG Hotels & Resorts | 10X |
| Travel / Dining / Gas Stations | 5X |
| Other Purchases | 3X |
| United TravelBank | Up to US$50 per year |
| Global Entry / TSA PreCheck / NEXUS | Up to US$120 every 4 years |
| Purchase IHG Points | 20% discount |
| Foreign Transaction Fee | 0% |
Chase advertises the card as earning up to 26X total points at IHG, but the card itself earns 10X. The higher total includes IHG base points and the bonus from Platinum Elite Status.
40K Anniversary Free Night
Each card anniversary, you receive a 40K Anniversary Free Night.
If a hotel costs more than 40K points, you can add IHG One Rewards Points from your account to cover the difference.
This makes the certificate more flexible than a strict 40K redemption cap and is one of the main reasons to keep the card long term.
4th Night Free on Award Stays
When you redeem IHG One Rewards Points for a stay of four or more consecutive nights:
Redeem 3 Nights → Get the 4th Night Free
For travelers who frequently redeem IHG Points for longer stays, this can significantly reduce the number of points required.
Bottom Line
The IHG One Rewards Premier Credit Card can be summarized in three benefits:
Platinum Elite + 40K Anniversary Free Night + 4th Night Free
If you can use the annual Free Night and regularly redeem IHG Points for four-night stays, this is a strong card to keep long term.
The IHG One Rewards Premier Business Credit Card also offers similar core IHG benefits, making the personal and business cards an interesting combination for frequent IHG guests.
IHG One Rewards Premier Credit Card Historical Welcome Offers
| Period | Welcome Offer | Spending Requirement |
|---|---|---|
| Jun–Sep 2026 | 140K Points | US$3,000 / 3 months |
| Mar–Jun 2026 | Up to 185K Points | 150K: US$3,000 / 3 months; additional 35K: US$6,000 total / 6 months |
| Jan–Mar 2026 | 175K Points | US$5,000 / 3 months |
| 2025 | 165K Points | Limited-time offer |
| 2025 | 5 Free Nights, up to 60K each | Limited-time offer |
| 2024 | 5 Free Nights, up to 60K each | Limited-time offer |
| 2024 | 165K Points | Limited-time offer |
Historically, this card has offered both traditional points bonuses and 5 Free Night Awards worth up to 60K points each.
Because Free Night offers work differently from points offers, the highest numerical points bonus is not necessarily the best offer.
👉 Apply for the IHG One Rewards Premier Credit Card
IHG One Rewards Credit Card Comparison
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| IHG One Rewards Premier Credit Card | US$99 | Platinum Elite; annual 40K Anniversary Free Night; fourth reward night free; up to US$50 in United TravelBank Cash annually; 10K Points + US$100 Statement Credit after US$20,000 in annual spend plus one additional purchase | 0% |
| IHG One Rewards Traveler Credit Card | US$0 | Silver Elite; Gold after US$20,000 in annual spend plus one additional purchase; fourth reward night free; 20% discount when purchasing IHG Points | 0% |
| IHG One Rewards Premier Business Credit Card | US$99 | Platinum Elite; annual 40K Anniversary Free Night; fourth reward night free; up to US$50 in United TravelBank Cash annually; additional 40K Free Night after US$60,000 in annual spend | 0% |
Application Rules & Restrictions
When applying for Chase credit cards, keep these key rules in mind:
– 5/24 Rule: If you have opened 5 or more credit card accounts that appear on your personal credit report within the past 24 months, it will generally affect your ability to get approved for a new Chase Card. Most Business Cards that do not report to personal credit reports generally do not add to your 5/24 count.
– Welcome Offer Eligibility: Different Chase Cards have their own Welcome Offer restrictions, and some products also have Card Family Restrictions. Being under 5/24 does not necessarily mean you are eligible for a Welcome Offer.
– Application Timing: Chase does not publish a simple fixed application interval, but submitting multiple Chase applications within a short period may affect approval.
A simple Chase application strategy is:
Check 5/24 → Check Welcome Offer / Family Eligibility → Submit Application
Actual application and Welcome Offer Eligibility requirements are subject to the current terms of each Chase Card.
How Can Foreigners Apply for Chase Credit Cards?
Foreign applicants generally need to establish some U.S. Credit History before applying for Chase credit cards.
If you are new to the U.S. credit card market, one strategy is to first obtain a U.S. Amex through Amex Global Transfer, build your U.S. credit history, and then consider applying for Chase.
Amex Global Transfer → U.S. Amex → Build U.S. Credit History → Chase
Applicants must still meet Chase’s current requirements regarding identification, address, credit history, and other application criteria.
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