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IHG One Rewards Premier Credit Card card art
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IHG One Rewards Premier Credit Card

4.4 / 5
IHG One Rewards points · Personal card

Huge welcome bonuses and the fourth-night-free perk make this the volume play among hotel cards. IHG points run cheap, so earn lots and burn them on multi-night stays.

Compare featured offers Read issuer terms

At a glance

Issuer terms
Welcome bonus
185,000 points
Spend $6,000 in 6 months
Annual fee
$99
Year-one and ongoing
Purchase APR
See terms
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

Huge welcome bonuses and the fourth-night-free perk make this the volume play among hotel cards. IHG points run cheap, so earn lots and burn them on multi-night stays.

Verdict

Pros & cons

Pros

  • Anniversary night up to 40,000 points
  • Fourth award night free
  • Platinum Elite status automatic
  • 26x potential on IHG stays

Cons

  • IHG points worth about 0.55 cents each
  • Free night capped at 40,000 points
  • Limited protections
Earnings

Earn rates

CategoryRateNotes
IHG stays10x pointsUp to 26x total with member base earning and Platinum Elite.
All travel5x points
Dining5x points
Gas stations5x points
All other purchases3x points
Benefits

Key benefits

Anniversary free night

Worth up to 40,000 points each cardmember year.

Fourth award night free

On consecutive 4-night award stays, an effective 25% points discount.

Platinum Elite automatic

Plus Diamond after $40,000 calendar-year spend.

Fit

Who this is best for

  • IHG guests who book multi-night award stays
  • Welcome bonus value hunters
FAQ

Frequently asked questions

What is the IHG Premier welcome bonus?
Earn 150,000 bonus points after spending $3,000 in the first 3 months, plus 35,000 more after spending $6,000 total in the first 6 months.
Does the IHG Premier charge an annual fee?
Yes. The annual fee is $99 every year.
Does the IHG Premier have a foreign transaction fee?
No. The IHG Premier charges no foreign transaction fee, so it works well for international purchases.
What APR does the IHG Premier charge?
The purchase APR is See terms variable.
Who is the IHG Premier best for?
IHG guests who book multi-night award stays. Welcome bonus value hunters.
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IHG One Rewards Premier Credit Card

Spend $6,000 in 6 months
Compare featured offers

Rates accurate as of June 10, 2026. Issuer terms.