IHG One Rewards Premier Credit Card
Chase · Personal card · Checked against Chase's terms Oct 26, 2026
The IHG One Rewards Premier earns 10x IHG One Rewards points at IHG Hotels & Resorts; 5x IHG One Rewards points at restaurants, supermarkets and gas stations and on flights and car rental; and 3x IHG One Rewards points on everything else. $150 a year. earnrate counts IHG One Rewards points at 0.5¢ each; transferring to airlines or hotels can be worth up to about 0.6¢.
Where it's in the top 3
IHG Hotels & Resorts (5%)
Earning rates
- 10IHG Hotels & Resorts 10x IHG One Rewards points
Card points only. Chase advertises "up to 24X total" at IHG, which adds up to 10X IHG member points and 4X Gold Elite points that IHG posts for stays booked direct; those aren't card earnings.“You'll earn 10 points for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards” creditcards.chase.com
- 5Restaurants, supermarkets and gas stations 5x IHG One Rewards points
Dining includes takeout and eligible delivery services. Chase's grocery stores exclude warehouse clubs, discount stores, drugstores and gas at grocery-store stations; delivery services count only if they code as a grocery store.“the following rewards categories: grocery stores; gas stations; dining at restaurants” creditcards.chase.com
- 5Flights and car rental 5x IHG One Rewards points
Airline tickets bought directly from the airline, and car rentals booked directly with the rental agency. Not through travel agencies or online travel sites.“airline tickets when purchased directly with the airline; and car rental agencies” creditcards.chase.com
- 5Travel and transit 5x IHG One Rewards points
All of Chase's travel category (which includes trains, buses, taxis and rideshare, tolls and parking) until purchases post after Dec 31, 2026. After that, other travel earns the 3x base rate.- Through Dec 31, 2026
“purchases that post to your account through December 31, 2026 in the travel rewards category” creditcards.chase.com
- 3Everything else 3x IHG One Rewards points
“Earn 3X points per $1 spent on all other purchases.” creditcards.chase.com
Public welcome offer
180,000 IHG One Rewards points after $3,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Labeled a launch offer; no end date given. Plus 10,000 points after adding an authorized user in the first 3 months. No free night in the welcome offer; the yearly Anniversary Free Night is a separate perk. Chase: "available to you if you do not have any personal IHG One Rewards Credit Cards and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products."
Sources
- creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
- chase.com/personal/credit-cards/rewards-category-faq
Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.