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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 fee
$99
Welcome bonus
Earn 5 Free Nights
Annual fee
$99
Welcome bonus
Earn 5 Free Nights after spending $5,000 in purchases in the first 3 months
Rewards rate
10X at IHG hotels; 5X on travel, dining, and at gas stations; 3X on all other purchases.
Points value
~0.5¢ per IHG point
Credit score
Good to Excellent (670–850)
Network
Mastercard
Foreign tx fee
None

Annual credits & benefits

Global Entry, TSA PreCheck or NEXUS Credit

Every 4 years

Up to $120

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.

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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