IHG One Rewards Premier Credit Card

The IHG Premier is the cobrand to hold if you stay at IHG properties regularly. The 26X total at IHG and the automatic Platinum Elite status are both real benefits, and the Anniversary Free Night, good up to 40k points, covers most IHG mid-tier properties. A 3X base earn on every purchase is unusually high for a $99-AF hotel card. The welcome-offer fine print is worth reading closely, because the first 150k requires only $3k in 3 months while the additional 35k requires reaching $6k by month 6.

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IHG One Rewards Premier Credit Card card art

Annual fee

$99

$8.25/mo equivalent
Limited-time offer

185,000 points

≈$925 at our valuation
after $3,000 in 6 months

Elevated promotion. Not the standard offer.
Recommended credit

700-790

Median 730. See why →

Earning rates

on IHG One Rewards

10x

Hotels Resorts

IHG hotels only
5x

Dining
5x

Gas
5x

Travel
3x

Everything else

Benefits and credits

Travel credits and perks

$50 United TravelBank Cash

$50/year
Anniversary Free Night
Fourth Reward Night Free
Global Entry, TSA PreCheck® or NEXUS Statement Credit

$120 every 4 years
Roadside Dispatch
Travel and Emergency Assistance Services

Purchase and protection benefits

Extended Warranty Protection

Up to $10,000
Purchase Protection

Up to $500 · 90d

Elite status conferred

ihg one rewards

Platinum Elite

Travel and purchase coverage

Baggage delay

$300

Delay threshold 6h

Secondary coverage
Lost luggage

$3,000

Secondary coverage
Rental car collision damage waiver

$60,000

Secondary coverage
Travel accident insurance

$500,000

Secondary coverage
Trip cancellation and interruption

$5,000

Per trip $10,000

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.24% to 27.74%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: 19.24% to 27.74%; Fee $5 or 5.00%, whichever is greater
Cash advance: 28.49%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Not disclosed
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports adult AU activity to all three bureaus; does not report minors (under 18).
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.