LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Credit Cards / Travel
Credit card review

Chase IHG One Rewards Premier Credit Card Review

ChaseMastercardTravel

Chase IHG One Rewards Premier Credit Card earned 4.0 / 5 in our 2026 review. The Chase IHG One Rewards Premier Credit Card earns 10x on ihg hotels with a $99 annual fee, a 140,000 bonus points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
Chase IHG One Rewards Premier Credit Card credit card
Apply at Chase Compare all cards
TL;DR
Annual fee
$99
Signup bonus
$840
Top reward rate
10x on ihg hotels
Intro APR
None
Issuer
Chase
Network
Mastercard
Min credit score
690
Fintiex rating
4.0 / 5
Pros
  • +Free anniversary night (up to 40,000 points) every year
  • +Fourth Reward Night Free when redeeming points for consecutive stays
  • +Automatic Platinum Elite status
  • +10x points at IHG Hotels and Resorts
  • +5x on dining, gas, and travel purchases
  • +No foreign transaction fees
  • +Global Entry, TSA PreCheck, or NEXUS application fee credit
  • +140,000 bonus points after spending $3,000 in first 3 months
Cons
  • -$99 annual fee
  • -IHG points worth only ~0.6 cents each (lower value than Hyatt or Marriott)
  • -IHG has inconsistent quality across brands
  • -Chase 5/24 rule applies
  • -Annual night certificate capped at 40,000 points

Rewards detail

ihg hotels
10x
travel
5x
dining
5x
gas
5x
everything else
3x

Fintiex values Chase points at about 0.60 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$99
Purchase APR
21.49% to 28.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
21.49% to 28.49%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The IHG One Rewards Premier Credit Card is built for people who want a travel card. Most approvals land at FICO 690 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→

Frequently asked questions

Does the IHG One Rewards Premier Credit Card have a foreign transaction fee?
No. The Chase IHG One Rewards Premier Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the IHG One Rewards Premier Credit Card?
Approvals typically start around a FICO score of 690, but Chase prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the IHG One Rewards Premier Credit Card signup bonus?
New cardholders earn 140,000 bonus points after spending $3,000 in the first few months. Fintiex values that at about $840 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the IHG One Rewards Premier Credit Card have a 0% intro APR offer?
No. The Chase IHG One Rewards Premier Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 21.49% to 28.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the IHG One Rewards Premier Credit Card?
$99 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the IHG One Rewards Premier Credit Card worth it?
Fintiex rates the Chase IHG One Rewards Premier Credit Card 4.0 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

Ready to apply for the IHG One Rewards Premier Credit Card?

Takes about 5 minutes. Most applicants see a decision in seconds.

Apply at Chase Compare other cards