Chase · Updated June 2026
IHG One Rewards Premier Credit Card Review (2026)
IHG's premium co-brand card with Platinum Elite status, an anniversary free night, and a Global Entry/TSA PreCheck credit.

Annual credits & benefits
Global Entry, TSA PreCheck or NEXUS Credit
Every 4 years
Statement credit for a Global Entry ($120), TSA PreCheck ($85), or NEXUS ($50) application fee.
Tip: Choose Global Entry — it includes TSA PreCheck and covers expedited customs.
United TravelBank Credit
Semi-annual ($25 Jan-Jun, $25 Jul-Dec)
Receive a $25 United TravelBank cash deposit around January 5 and another $25 deposit around July 5 each year (one-time registration required). Redeemable toward United or United Express fares booked directly with United.
Tip: Register once in your United MileagePlus account, then let both $25 deposits post automatically — combine with future United bookings so the cash doesn't expire unused.
$20,000 Spend Bonus
Calendar year (after $20,000 in purchases)
Receive a $100 statement credit and 10,000 bonus points each calendar year you spend at least $20,000 in purchases on the card.
Tip: If you're already close to $20,000 in annual spend, route remaining purchases here to unlock the $100 credit plus 10,000 bonus points.
Instacart Credit
Monthly ($10/month)
Up to $120 back each calendar year ($10/month) on Instacart purchases, plus a complimentary 3-month Instacart+ membership. Must activate between 5/1/2025 and 12/31/27.
Tip: Place a qualifying Instacart order each month to capture the full $10 — it doesn't roll over.
DoorDash DashPass & Credits
Quarterly ($10/quarter)
Complimentary 1-year DashPass membership for DoorDash and Caviar (activate by 12/31/27) for $0 delivery fees on eligible orders, plus up to $10 off one non-restaurant order each quarter (up to $40/year) through 12/31/27.
Tip: Activate DashPass even if you rarely order delivery, then use one non-restaurant DoorDash order per quarter (groceries, retail) to capture the $10 credit.
Is the $99 fee worth it?
Ideal for
- IHG stays
- Anniversary free night
- Fourth-night-free on points
Not ideal for
- Infrequent travelers who rarely fly or stay at hotels
- Those who prefer cash back over travel rewards
- Budget-conscious consumers avoiding annual fees
How we rate & review credit cards
CreditMilesGuru's editorial team evaluates cards on annual-fee value, welcome bonus, ongoing earn rates, transfer-partner quality, travel protections, credits and perks, and the current competitive landscape. Our ratings are independent — we are not paid by issuers to rate cards favorably. This review was last updated June 2026.
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