0
Benefits0
Reward Categories—
Max Reward21.5%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: IHG One Rewards Points
Base Rate: 3x
Bonus Rate: 10x
Categories: 10x IHG Hotels & Resorts (5x from card + 5x from Platinum Elite status), 5x Gas Stations, 5x Dining, 5x Internet/Cable/Phone Services
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as the card account is active and Platinum Elite status (a card benefit) is maintained, or with qualifying activity every 12 months.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: Limited airline partners (e.g., United, American, Delta, British Airways) with generally poor transfer ratios (e.g., 10,000 IHG points to 2,000 airline miles).
Redemption Penalties: No specific penalties beyond standard IHG One Rewards award booking terms and conditions.
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Hotel Status: IHG One Rewards Platinum Elite
Sign-Up Bonus
PENDING140,000
Points/MilesRequirement: Spend $3,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $49.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.49% - 28.49%
Balance Transfer APR: 21.49%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Intro BT APR: 0% for 12 months
Promo Financing: None
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the IHG One Rewards Premier Card in 2026 is primarily governed by Chase's established application policies. Applicants must generally have excellent credit. The most critical rule is Chase's 5/24 rule, meaning you will likely be denied if you have opened 5 or more personal credit cards across all issuers in the past 24 months. Furthermore, the new cardmember bonus is typically not available to current cardmembers of any IHG One Rewards credit card, nor to previous cardmembers who received a new cardmember bonus for any IHG One Rewards credit card within the last 24 months. Welcome bonus offers usually require meeting a specified spending threshold within the initial months of account opening. These rules are based on current Chase practices and are anticipated to remain consistent for 2026.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Chase's 5/24 rule (cannot be approved if you've opened 5 or more personal credit cards across all issuers in the past 24 months). IHG-specific bonus eligibility rule (not available to current cardmembers of any IHG One Rewards credit card, or previous cardmembers who received a new cardmember bonus for any IHG One Rewards credit card within the last 24 months).
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Users highly value the free anniversary night, automatic Platinum Elite status, strong earning rates at IHG properties, and the fourth night free on award stays. The Global Entry/TSA PreCheck credit is also a frequently cited benefit.
Top Negative:
Common complaints include the annual fee (though often offset by benefits), the relatively low value of IHG points compared to some other programs, and limited transfer partners. Some users also note that earning rates outside of IHG can be surpassed by other general spending cards.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Marriott Bonvoy Boundless Credit Card
- Hilton Honors American Express Surpass Card
- Chase Sapphire Preferred Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $495.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0