IHG One Rewards Premier Credit Card
Basic Information
Program ID: ihg-one-rewards-premier-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premier
Data Complete: Yes
Created: 01/07/2026 12:10
Last Scraped: 01/15/2026 07:21
Fee Structure
| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $49.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,149.00% - 2,849.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,149.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $140,000.00
Spending Requirement: $3,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: IHG One Rewards Points
Base Reward Rate: 3.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x IHG Hotels & Resorts (5x from card + 5x from Platinum Elite status), 5x Gas Stations, 5x Dining, 5x Internet/Cable/Phone Services
Point Value Estimate: 0.0100 cents/point
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.
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).
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
- Hotel Status: IHG One Rewards Platinum Elite
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (e.g., applying for too many cards in a short period), high cumulative credit limit relative to income, suspicious spending patterns, repeated bonus churning, payment defaults, or account inactivity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 30% IHG / 70% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0