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IHG One Rewards Premier Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.49% ‐ 28.49% (Variable)
Interest Rate: Purchases
21.49% ‐ 28.49% (Variable)
Balance Transfer
21.49% ‐ 28.49% (Variable)
Balance Transfer
21.49% ‐ 28.49% (Variable)
3 - 10 points
3 - 10 points
Signup Bonus
165000 points (after spending $3,000)
Signup Bonus
165000 points (after spending $3,000)

Informr score
The IHG One Rewards Premier Credit Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 31 sources including reviews from users and the web's most trusted critics.

Am I eligible?

IHG One Rewards Premier Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The points on this card aren't worth as much as the points in some other hotel programs — but you can earn a lot of points per dollar. IHG is relatively generous with free nights, too.

- Robin Saks Frankel, NerdWallet
One Mile at a Time
One Mile at a Time

The IHG Premier Card is a product that I highly recommend getting. The card’s $99 annual fee is really easy to justify, thanks to the anniversary free night award, up to $50 in United credits, IHG Platinum status, and much more. This free night certificate is the single biggest benefit of the card,...

- Ben Schlappig, One Mile at a Time
The Points Guy
The Points Guy

If you're a loyal IHG traveler looking to make the most of IHG One Rewards, having the IHG One Rewards Premier Credit Card makes sense. After all, the card provides perks like automatic Platinum Elite status, a fourth-night-free reward on award stays of four or more nights and a large bonus multipli...

- Katie Genter, Chris Nelson, The Points Guy

The new IHG One Rewards Premier Card offers plenty of value for IHG loyalists. If you stay with IHG at least once each year, the anniversary reward night should easily cover the card's ongoing $99 annual fee. Once you factor in the fourth night free on award bookings and the benefits of complimentar...

- Samantha Holland, AwardWallet

Aside from its astounding sign-up bonus, this card offers tons of value, especially for loyal IHG customers, like a free Reward Night on your account anniversary and Platinum Elite status as long as you remain a Premier card member. Plus, it offers a Global Entry, NEXUS or TSA Pre✓® fee credit every...

- Kevin Payne, SlickDeals


Interest Rates
Regular APR Interest Rate 21.49% ‐ 28.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 21.49% ‐ 28.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 30.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $99.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 165000 points after spending $3,000

On purchases within the first 3 months.

All Purchases 3 points per $1 spent
Restaurants 5 points per $1 spent
Gas 5 points per $1 spent
Groceries No
Hotels 10 points per $1 spent
  • Plus up to 10X points from IHG® for being an IHG® Rewards member
  • Plus up to 6X points from IHG® with Platinum Elite Status, a benefit of this card
Travel 5 points per $1 spent
Pharmacy No
Bills No
Additional Details

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each calendar year.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Enjoy a reward night after each account anniversary year at IHG hotels worldwide.
  • Automatic Platinum Elite status as long as you remain an IHG Rewards Club Premier Cardmember.
  • Save 20% on reward points purchases
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Cancellation/Trip Interruption Insurance
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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