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Card Review

Credit CardChase
IHG Rewards Premier credit card

IHG Rewards Premier

Annual Fee

$150Charged Yearly

Welcome Bonus

180,000 pts welcome offer

EST. Net Value

$645/yr

Credit Score

Varies

Top Earn Rate

26x everything else


Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

26x

Dining

5x

Gas

5x

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The IHG Rewards Premier from Chase carries a $150 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $654.90 in rewards plus $140.00 in credits and perks — $644.90 net per year before welcome bonuses.

How the points work

Earn up to 26X total points at IHG Hotels and Resorts worldwide when you combine IHG card benefits with existing IHG Rewards Club member benefits from IHG

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
  • Everything elseIHG
    26×
  • Dining
    5×
  • Gas
    5×
  • Travel
    5×
  • Everything elseAll Purchases
    1×

Welcome offer

180,000 points

  • Spend $3,000 in 90 days
  • Est. value: $1,800 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • Monthly Instacart Credit$10/yr

    Receive a $10 Instacart credit each month with an active Instacart+ membership. Benefits end 12/31/27.

Benefits

  • Anniversary Free Night

    Earn a free night certificate each account anniversary year, valid at IHG hotels with a redemption level up to 40,000 points. You can add points from your account to redeem at hotels above the 40,000 point level.

  • Fourth Reward Night Free

    When you redeem points for a consecutive four-night IHG® hotel stay, you receive the fourth night free.

  • Global Entry, TSA PreCheck® or NEXUS Statement Credit$120/yr

    Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee.

  • No foreign transaction fees

    You will pay no foreign transaction fees on purchases made outside the United States.

  • Automatic Platinum Elite Status

    Receive automatic IHG One Rewards Platinum Elite status for as long as you remain a cardmember.

  • Save 20% on Points Purchases

    Save 20% when you purchase points with your card.

  • Purchase Protection

    Covers your new purchases for 120 days against damage or theft up to $10,000 per item.

  • Trip Cancellation and Interruption Insurance

    Be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses if your trip is canceled or cut short by covered situations.

  • Complimentary DashPass Membership

    Get one year of complimentary DashPass for DoorDash and Caviar. Membership auto-renews. Activate by 12/31/2027.

  • Quarterly DoorDash Credit$10/yr

    DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027.

  • Complimentary Instacart+ Membership

    Receive a complimentary 3-month Instacart+ membership. Membership auto-renews. Activate by 12/31/2027.

  • Monthly Instacart Credit$10/yr

    Receive a $10 Instacart credit each month you have an active Instacart+ membership. Benefits end 12/31/2027.

  • $100 statement credit and 10,000 bonus points

    Receive a $100 statement credit and 10,000 bonus points each calendar year you spend at least $20,000 in purchases.

  • Refer-a-Friend Bonus

    Earn 10,000 bonus points for each friend or business owner who gets approved for an IHG One Rewards Credit Card, up to 50,000 bonus points per year.

Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$150
Stated credits+$10
Perks (est.)+$130
Net after credits & perks-$10

Verdict

Fee exceeds stated credits & perks

You'll need enough rewards on your spend to cover the gap — model that below.

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$645/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $150 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

IHG Rewards Premier

Apply Now