4.2 / 5
Chase
IHG Premier Select
- Welcome
- 200,000 points
- Annual fee
- $350
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Chase · ihg
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.
At a glance
- Welcome bonus
- 180,000 points
- Spend $3,000 in 3 months
- Annual fee
- $150
- Year-one and ongoing
- Purchase APR
- 19.49% to 27.99%
- No intro APR
- FX fee
- None
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 50,000 points
- Fourth award night free
- 5x on dining, groceries and gas
- 24x potential on IHG stays
Cons
- Annual fee rose from $99 to $150 in October 2026
- Automatic status is now Gold Elite, down from Platinum
- IHG points worth about 0.55 cents each
- Limited protections
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| IHG stays | 10x points | Up to 24x total with member base earning and the Gold Elite bonus. |
| Flights direct | 5x points | Flights booked directly with the airline. |
| Car rentals direct | 5x points | |
| Dining | 5x points | |
| Groceries | 5x points | |
| Gas stations | 5x points | |
| All other purchases | 3x points |
Benefits
Key benefits
Anniversary free night
Worth up to 50,000 points each cardmember year.
Fourth award night free
On consecutive 4-night award stays, an effective 25% points discount.
Gold Elite automatic
IHG One Rewards Gold Elite status for as long as the card is open.
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 180,000 bonus points after spending $3,000 in the first 3 months, plus 10,000 more points for adding an authorized user in that window.
Does the IHG Premier charge an annual fee?
Yes. The annual fee is $150 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 19.49% to 27.99% variable.
Who is the IHG Premier best for?
IHG guests who book multi-night award stays. Welcome bonus value hunters.
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Hilton Aspire
- Welcome
- 200,000 points
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Apply
IHG One Rewards Premier Credit Card
Spend $3,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.