Current offer
Earn 140,000 points
After spending $3,000 in the first 3 months from account opening. Offer terms apply.
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Current offer
Earn 140,000 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 Platinum Elite, an anniversary free night up to 40,000 points (top-off allowed), the fourth-night-free on points, and a $50 United credit against the $99 fee. Catch: IHG's redemption rates run high, so a big welcome bonus books fewer nights than it looks.
What we love
- Automatic Platinum Elite, with a Diamond pathway through spend
- Anniversary free night up to 40,000 points, top-off allowed
- Fourth-night-free on award stays
- $50 United TravelBank credit helps offset the $99 fee
What we don't
- IHG's high redemption rates can make the welcome bonus underdeliver
- Free-night cap of 40,000 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
- 26xIHG Hotels & Resorts staysAdvertised total; includes loyalty-program base earn and elite status bonuses
- 5xTravel purchases
- 5xGas stations
- 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.
- $125
Automatic IHG Platinum Elite Status
Receive automatic IHG One Rewards Platinum Elite status as long as you remain a Premier cardmember.
- $30
Global Entry, TSA PreCheck®, or NEXUS Credit
Receive a statement credit of up to $120 every 4 years as reimbursement for the Global Entry, TSA PreCheck®, or NEXUS application fee charged to your card.
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.
225,200 pts ≈ $1,351
Your first year in annual value