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IHG Rewards Premier credit card

Chase

IHG Rewards Premier

oth 26xdin 5x
credit

Hover to explore — real card art from our catalog

140,000 pts welcome offercredit

Card review

IHG Rewards Premier

Chase

Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$99

Welcome bonus

140,000 pts welcome offer

Est. net value

$905/yr

Credit score

Varies

Top earn rate

26x everything else

Overview

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

The IHG Rewards Premier from Chase carries a $99 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $754.02 in rewards plus $250.00 in credits and perks — $905.02 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 elseIHG26×
DiningDining
GasGas
TravelTravel
Everything elseAll Purchases

Welcome offer

140,000 points

  • Spend $4,000 in 90 days
  • Est. value: $1,400 (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 & perks

  • Anniversary Free Night

    Earned each account anniversary year, valid at IHG hotels with a redemption value 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 can receive the fourth night free.

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

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

  • No foreign transaction fees
  • Purchase Protection

    Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.

  • Trip Cancellation and Interruption Insurance

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

  • Automatic IHG One Rewards Platinum Elite Status

    Qualify for automatic IHG One Rewards Platinum Elite status for as long as you remain a Premier Business credit cardmember.

  • 20% Discount on Points Purchases

    Save 20% on points purchases when you pay for those points with your card.

  • Annual Spend Bonus$100/yr

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

  • Chase Pay Over Time®

    Break up eligible credit card purchases of $100 or more into manageable monthly payments for a fixed monthly fee.

  • Complimentary DashPass Membership

    Get one-year complimentary DashPass for DoorDash and Caviar. Activate by Dec 31, 2027.

  • Quarterly DoorDash Credit$10/yr

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

  • Complimentary Instacart+ Membership

    Receive a complimentary 3-month Instacart+ membership. Membership auto-renews at $99/yr.

  • Monthly Instacart Credit$10/yr

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

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
$99
Stated credits
+$10
Perks (est.)
+$240
Net after credits & perks
$151

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward calculator

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

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Frequently asked questions

What credit score do I need?
Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?
See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.

Ready to apply?

IHG Rewards Premier

Apply now