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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.

United TravelBank Credit

Semi-annual ($25 Jan-Jun, $25 Jul-Dec)

$50

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)

$100

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)

$120

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)

$40

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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IHG One Rewards Premier Credit Card Review — Updated June 2026: Benefits, Fees & Verdict | Credit Miles Guru