Current offer
Earn 180,000 points
After spending $3,000 in the first 3 months from account opening. Offer terms apply.
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Current offer
Earn 180,000 points
After spending $3,000 in the first 3 months from account opening. Offer terms apply.
The point.me verdict
The IHG One Rewards Premier Credit Card is IHG's benefits-packed personal card: automatic Gold Elite, an anniversary free night up to 50,000 points (top-off allowed), the fourth-night-free on points, and over $700 in credits against the $150 fee. Catch: IHG's redemption rates run high, so a big welcome bonus books fewer nights than it looks.
What we love
- Automatic Gold Elite, with 15 Elite Night Credits to have a head start on earning the next status tier
- Anniversary free night up to 50,000 points, top-off allowed
- Fourth-night-free on award stays
- Over $700 in credits helps offset the $150 fee
What we don't
- IHG's high redemption rates can make the welcome bonus underdeliver
- Free-night cap of 50,000 points runs low against rising award prices
IHG One Rewards
IHG One Rewards points can be redeemed across every IHG One Rewards-participating brand, including Kimpton and InterContinental, among many others. It stands out as one of the largest hotel loyalty programs in the world, with more than 7,000 properties spanning the globe, which makes it especially easy for members to find a place to stay and redeem their points almost anywhere they travel.
Rewards on this card
- 24xIHG Hotels & Resorts staysAdvertised total; includes loyalty-program base earn and elite status bonuses
- 5xFlights booked directly
- 5xCar rental agencies
- 5xGas stations
- 5xGrocery stores
- 5xRestaurants
- 3xAll other eligible purchases
Card Benefits
Discover the perks included with this card, on top of what you earn.
- $240
Anniversary Free Night
Enjoy a free night at IHG® Hotels & Resorts each anniversary year. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay.
- $100
IHG Food & Beverage Rewards Credit
Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
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Automatic IHG Gold Elite Status
Receive automatic IHG One Rewards Gold Elite status as long as you remain an IHG One Rewards Premier cardmember.
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Elite Night Credits
Receive 15 Elite Night Credits each year toward IHG One Rewards elite status.
Dollar values shown are estimates used to calculate the card’s first-year value, not the actual value of each benefit.
See what you’d earn
Set your monthly spend to see what you’d earn in year one, and what it’s worth.
Assumes caps apply per year and capped spend falls back to the base rate.
295,800 pts ≈ $1,775
Your first year in annual value