IHG One Rewards Premier Select Credit Card is Chase’s premium IHG personal credit card and currently sits at the top of the U.S. IHG personal card lineup.
Its core benefits are automatic Platinum Elite status, 20 Elite Night Credits each year, a 60K Anniversary Free Night, and Fourth Reward Night Free. For frequent IHG guests who want to accelerate both elite status and Milestone Rewards, Premier Select offers the strongest elite-status package among the current IHG credit cards.
👉 Apply for the IHG One Rewards Premier Select Credit Card
💳 IHG One Rewards Premier Select Credit Card Benefits
| Benefit | Details |
|---|---|
| Annual Fee | US$350 |
| IHG Elite Status | Platinum Elite |
| Elite Night Credits | 20 nights per year |
| Elite Nights from Spending | 2 nights per US$5,000 spent |
| US$15,000 Annual Spend | Additional 5 Elite Nights + 20K Points |
| Diamond Elite | US$25,000 annual spend |
| Anniversary Free Night | 60K Free Night each year |
| US$40,000 Annual Spend | Additional 60K Free Night |
| Free Night Top-Off | Add IHG Points for hotels above 60K |
| Reward Nights | Fourth Reward Night Free |
| IHG Hotels & Resorts | 12X |
| Dining / Travel / Rideshare | 6X |
| Other Purchases | 3X |
| IHG Food & Beverage Rewards | US$75 quarterly, up to US$300 per year |
| Airline Statement Credit | US$200 per year, currently through Dec. 31, 2027 |
| United TravelBank | Up to US$50 per year |
| Instacart | Up to US$120 per year |
| DoorDash | Complimentary DashPass + up to US$10 monthly non-restaurant promo |
| Global Entry / TSA PreCheck / NEXUS | Up to US$120 every 4 years |
| IHG Points Purchases | 30% discount |
| Foreign Transaction Fee | None |
The advertised up to 28X at IHG hotels includes 12X from the card, base points earned as an IHG member, and the Platinum Elite bonus. The credit card itself earns 12X at participating IHG hotels.
🛏️ 20 Elite Night Credits Every Year
Premier Select provides 20 Elite Night Credits every year toward IHG elite status and Milestone Rewards.
Additional Elite Nights can be earned through spending:
- Every US$5,000 spent → 2 Elite Nights
- US$15,000 annual spend → additional 5 Elite Nights + 20K Points
Spend exactly US$15,000 in a calendar year and you can earn:
20 + 6 + 5 = 31 Elite Nights
That leaves only 9 additional nights to reach the 40-night Milestone Reward.
IHG Elite Nights Do Not Stack Like Marriott
Holding multiple IHG credit cards does not allow you to stack each card’s annual Elite Night Credits.
For example, holding both Premier Select and Premier does not give you:
20 + 15 = 35 Elite Nights
Premier Select provides up to 20 annual Elite Night Credits from this automatic benefit regardless of how many IHG One Rewards credit cards are linked to the same IHG account.
This is different from the Marriott Bonvoy strategy of combining eligible U.S. personal and business card Elite Night Credits.
🎁 60K Anniversary Free Night
Each card anniversary, Premier Select provides a 60K Anniversary Free Night.
If an eligible hotel costs more than 60K points, you can add IHG One Rewards points to cover the difference.
For example:
80K hotel → 60K Free Night + 20K Points
Spend US$40,000 in a calendar year and you can also earn an additional 60K Free Night.
🏨 Fourth Reward Night Free
When you redeem IHG One Rewards points for four consecutive nights, Premier Select provides the Fourth Reward Night Free benefit.
For a four-night award stay:
Redeem 4 nights → Pay points for only 3 nights
This can significantly reduce the cost of longer IHG award stays.
💎 Platinum Elite and Diamond Elite
Premier Select includes automatic IHG Platinum Elite status for as long as you remain an eligible cardmember.
You can also earn:
US$25,000 annual spend → Diamond Elite
Diamond Elite earned through this spending benefit remains valid for the rest of the qualifying calendar year and through the end of the following calendar year.
Combined with the card’s annual 20 Elite Nights and additional Elite Nights from spending, Premier Select provides two separate ways to accelerate IHG elite status.
🏁 Is the IHG One Rewards Premier Select Credit Card Worth Keeping?
Premier Select can be summarized with four benefits:
Platinum Elite + 20 Elite Nights + 60K Free Night + Fourth Reward Night Free
Compared with Premier, Premier Select provides higher elite status, five more annual Elite Nights, a larger Anniversary Free Night, and up to US$300 in annual IHG Food & Beverage Rewards.
For travelers targeting IHG Milestone Rewards, the annual 20 Elite Nights are especially useful. Spending US$15,000 brings the total to 31 Elite Nights, leaving only nine additional nights to reach the 40-night Milestone Reward.
🎁 IHG One Rewards Premier Select Historical Welcome Offers
Premier Select launched in 2026, so there is not yet much historical offer data.
| Period | Welcome Offer | Spending Requirement |
|---|---|---|
| Oct. 2026– | 200K Points | US$5,000 / 3 months |
The launch offer also includes 10K bonus points for adding an authorized user within the first three months. Offers can change at any time.
👉 Apply for the IHG One Rewards Premier Select Credit Card
💳 IHG One Rewards Credit Card Comparison
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
|---|---|---|---|
| IHG One Rewards Premier Select Credit Card | US$350 | Platinum Elite · 20 Elite Nights · 60K Anniversary Free Night · Fourth Reward Night Free | None |
| IHG One Rewards Premier Credit Card | US$150 | Gold Elite · 15 Elite Nights · 50K Anniversary Free Night · Fourth Reward Night Free | None |
| IHG One Rewards Credit Card | US$0 | Silver Elite · Fourth Reward Night Free | None |
| IHG One Rewards Business Credit Card | US$200 | Platinum Elite · Elite Nights · Anniversary Free Night · Fourth Reward Night Free | None |
Important: Annual Elite Night Credits from multiple IHG credit cards do not stack the way eligible Marriott Bonvoy U.S. personal and business card Elite Night Credits can.
📌 Application Rules
Premier Select has different eligibility rules from the other IHG personal credit cards.
You are not eligible for Premier Select if you currently have the IHG One Rewards Premier Select Credit Card, or if you received a new cardmember bonus for Premier Select within the past 24 months.
However, holding another IHG personal credit card does not by itself make you ineligible for Premier Select. This makes Premier Select an exception to the broader restrictions affecting the other IHG personal cards.
Chase 5/24 should also be considered before applying.
A simple order to follow is:
Check 5/24 → Check Premier Select Ownership → Check 24-Month Premier Select Bonus Eligibility → Apply
Actual eligibility is determined by the terms shown when you apply.
🌎 How Can Foreigners Apply for Chase Credit Cards?
Foreign applicants generally need to establish a U.S. credit history before applying for Chase credit cards.
One common route for existing American Express cardmembers outside the U.S. is:
Amex Global Transfer → U.S. Amex → Build U.S. Credit History → Chase
Applicants should also keep Chase 5/24 in mind while building their U.S. credit history.
