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IHG One Rewards Premier Credit Card
CHASEPERSONAL

IHG One Rewards Premier Credit Card

5 credits worth $420 at face value against an $150 annual fee. 2 of them pay nothing until you enroll.

UPDATED OCT 20265 CREDITS TRACKED2 NEED ENROLLMENT
ANNUAL FEE
$150/ year
Credits at face value$420
Break-even36%
Track these credits free →

Open the full IHG One Rewards Premier Credit Card calculator →

All 5 credits, by how often they reset

Monthly

2 CREDITS · $240 / YR
Instacart Credits$10
12 × $10 = $120
MERCHANT CREDITENROLL
A $10 Instacart credit each month on one order of $10 or more, through 12/31/27. The card includes 3 months of Instacart+, which the credit requires; after that Instacart+ renews at $99 a year unless you cancel. Activate through Chase by 12/31/27. Unused credit does not roll over.
DoorDash Credit$10
12 × $10 = $120
MERCHANT CREDITENROLL
DashPass members get up to $10 off each month on DoorDash non-restaurant orders, such as groceries and everyday essentials, through 12/31/2027. Only for DashPass enrollments through Chase made on or after 9/1/2026. The card includes one year of DashPass; activate by 12/31/2027.

Quarterly

1 CREDIT · $100 / YR
IHG Food & Beverage Reward$25
4 × $25 = $100
MERCHANT CREDITAUTO
A $25 IHG Food & Beverage voucher each calendar quarter, up to $100 a year, for food, drinks and tips charged to your room at IHG hotels. Each voucher expires at the end of its quarter and works once, so anything under $25 is lost.

Semi-annual

1 CREDIT · $50 / YR
United TravelBank Credit$25
2 × $25 = $50
MERCHANT CREDITAUTO
Receive $25 in United TravelBank cash deposited to your MileagePlus account approximately January 5 and July 5 each year. Requires one-time registration at ihg.com/united. Note: Jan–Jun deposits expire July 15; Jul–Dec deposits expire January 15 of the following year.

Included perks

NOT COUNTED IN TOTAL
IHG 50k Free NightOne IHG free night each year on your account anniversary, good at hotels up to 50,000 points a night. Nights issued in 2026 under the earlier terms were capped at 40,000. You can add your own points to book a pricier hotel. Covers one standard room and tax only, and expires 12 months after it's issued.
Certificate
THE PART PEOPLE MISS2 of 5 credits pay nothing until you enroll

That’s $240 of face value sitting behind a form. Enrollment is one-time per credit and never applies retroactively.

Instacart Credits$120
DoorDash Credit$120

All of them live in the Benefits section of your issuer’s website.

How it compares

Frequently asked questions

What is the IHG One Rewards Premier Credit Card annual fee?

The IHG One Rewards Premier Credit Card has an annual fee of $150. This is a personal credit card.

Is the IHG One Rewards Premier Credit Card worth it?

The IHG One Rewards Premier Credit Card offers $420 in annual benefits with a $150 annual fee, for a net value of $270. It can be worth it if you use the key benefits like Instacart Credits, DoorDash Credit, IHG Food & Beverage Reward.

What benefits does the IHG One Rewards Premier Credit Card include?

The IHG One Rewards Premier Credit Card includes 6 benefits, including Instacart Credits ($120/year), DoorDash Credit ($120/year), IHG Food & Beverage Reward ($100/year), United TravelBank Credit ($50/year), Global Entry / TSA PreCheck Credit ($30/year).

Who should get the IHG One Rewards Premier Credit Card?

The IHG One Rewards Premier Credit Card is ideal for people who spend on travel and can maximize the $420 in annual benefits to offset the $150 annual fee.