IHG One Rewards Premier

Earning

Right column: value per $ at travel valuation (0.5¢/pt).

Credits

• $120 Global Entry / TSA PreCheck / NEXUS credit /every 4 years · easy to use
  Statement credit of up to $120 every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee when charged to the card.
• $50 United TravelBank Cash /year · medium to use · enrollment required
  Up to $50 in United TravelBank Cash each calendar year after registering the card with your MileagePlus account: $25 deposited on or about January 5 and $25 on or about July 5. Cash deposited Jan 1-Jun 30 expires July 15; cash deposited Jul 1-Dec 31 expires January 15. Usable only toward United fares paid with TravelBank.
• $100 $20,000 annual-spend statement credit /year · hard to use
  "You'll receive a $100 statement credit and 10,000 bonus points each calendar year during which you spend at least $20,000." Requires $20,000 in purchases in a single calendar year.
• $10 Instacart monthly credit /month · medium to use · enrollment required
  $10 in-app Instacart credit each month (up to $120/yr) through 12/31/2027 after activating the complimentary 3-month Instacart+ membership (window 5/1/2025-12/31/2027) and paying with the card. Credit is issued on the 1st and expires at month end; primary cardmember only; Instacart+ auto-renews at $99/yr after the free months.
• $10 DoorDash non-restaurant credit /quarter · hard to use · enrollment required
  Up to $10 off one non-restaurant DoorDash order (grocery, convenience, retail) each quarter through 12/31/2027, applied in the DoorDash app rather than as a Chase statement credit; requires activating the complimentary 12-month DashPass (activation window 02/01/2025-12/31/2027).

Benefits

• Anniversary Free Night (up to 40,000 points, top-off allowed) — Each year after your card anniversary, one free night at an IHG hotel with a point redemption value of 40,000 points or less (standard room + tax), with the ability to add points from your IHG account to book hotels above 40,000 points. Must be redeemed and the stay completed within 12 months of issue. NOTE: the Jan 1, 2027 increase to 50,000 points announced Aug 31, 2026 applies to the Premier Business card only; no announcement for this personal card as of Sept 2026.
• Automatic IHG Platinum Elite (Diamond Elite after $40k/yr spend) — Platinum Elite status while you hold the card (60% points bonus on stays, room upgrades subject to availability, late checkout). "Each calendar year you make purchases totaling $40,000 or more, you, as the primary cardmember, will qualify for Diamond Elite status" through Dec 31 of the following year.
• 10,000 points + $100 credit at $20,000 annual spend — 10,000 bonus points and a $100 statement credit each calendar year in which you spend at least $20,000.
• 4th Reward Night free — When you redeem points for a consecutive four-night IHG stay, the fourth Reward Night is free (applies to any 4+ night points stay; unlimited use).
• Global Entry / TSA PreCheck / NEXUS credit — Up to $120 every four years.
• United TravelBank Cash — Up to $50 per calendar year ($25 on/about Jan 5 and Jul 5) after registering with MileagePlus.
• 20% off IHG points purchases — At least a 20% discount when you buy IHG One Rewards points with the card, plus early access to IHG Reward Night sales.
• No foreign transaction fees
• DashPass (12 months) and Instacart+ (3 months) — Complimentary DashPass for 12 months (activate 02/01/2025-12/31/2027) and Instacart+ for 3 months (activate 5/1/2025-12/31/2027); both auto-renew at the then-current rate unless cancelled.
• Chase Pay Over Time — Split eligible purchases of $100+ into 3-24 month plans for a fixed monthly fee, no interest.
• Auto rental collision damage waiver (secondary) — Theft and collision damage on most rental vehicles when you decline the rental company's coverage and charge the full rental to the card; secondary to your personal auto insurance in the U.S.
• Trip cancellation / interruption insurance — Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses.
• Baggage delay insurance — Up to $100 a day for up to 3 days when checked baggage is delayed more than 6 hours.
• Lost luggage reimbursement — Up to $3,000 per covered traveler (NY residents: $2,000 per bag, $10,000 per trip).
• Travel accident insurance — Up to $500,000 accidental death or dismemberment coverage when the fare is charged to the card.
• Purchase protection — Eligible new purchases covered 120 days (90 days NY) against damage or theft, up to $500 per item.
• Extended warranty protection — Extends eligible U.S. manufacturer warranties of 3 years or less by one additional year (up to 4 years total).
• Travel and emergency assistance — Legal and medical referrals and emergency service arrangements while traveling; service costs are the cardholder's responsibility.

Protections

Notes

Chase 5/24 applies. The anniversary free night (up to 40k points, unlimited top-off with points) alone usually out-values the $99 fee. Current structure dates from the March 24, 2022 refresh (renamed from IHG Rewards Club Premier; fee $89->$99; 5X travel/dining/gas and 3X base; free-night top-off with points, $40k Diamond path and $50 United TravelBank added). No fee or earn-rate changes found for 2025-2026; the DoorDash (from 02/01/2025) and Instacart (from 5/1/2025) partner perks run through 12/31/2027 and post in the partner apps, not as Chase statement credits. The Aug 31, 2026 announcement raising the anniversary free night cap to 50,000 points from Jan 1, 2027 covers the Premier BUSINESS card only (Doctor of Credit 2026-08-31; Frequent Miler 2026-09-04 speculates the personal card may follow but nothing announced). There is no second free night on this personal card (the $60k free night is Business-only). Bonus categories are uncapped. No trip delay or roadside coverage on Chase's protection page. IHG points redeem only within IHG; no useful airline transfer partners. APR 19.24%-29.99% variable.

Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11