IHG One Rewards Premier Credit Card
Huge headline bonuses, an anniversary night, and a fourth award night free every stay.
Welcome Bonus
140,000
≈$840 value
Spend Requirement
$3,000
in 3 months
Annual Fee
$99
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 10xIHG hotels and resorts
- 5xTravel, dining and gas stations
- 3xAll other purchases
Credits ($100/yr stated)
- Spend reward$100
$100 statement credit plus 10,000 points after $20k annual spend
Benefits
- ✦Anniversary free night worth up to 40,000 points
- ✦Fourth night free on award stays of 4+ nights
- ✦Automatic Platinum Elite status
- ✦Global Entry, TSA PreCheck or NEXUS credit every 4 years
- ✦Top up the anniversary night with points
Why it earns its spot
- +Fourth night free routinely saves more than the fee
- +Anniversary night at a $99 fee is reliable value
- +Bonuses regularly hit 140k or more
Where it costs you
- −IHG points are worth roughly 0.6 cents each
- −Anniversary night cap excludes top-tier properties without a top-up
- −Subject to Chase 5/24
The Compound Verdict
Value per point is low, but volume and perks carry this card. The fourth night free plus the anniversary certificate make it a keeper for anyone who books IHG even twice a year. Sign up when the bonus is 140k or better.
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