IHG One Rewards Premier Credit Card Review (Update 2026.1: 175k offer)
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2026.1 Update: New supply is 175k. Offer expires 2026.3.18.
2025.9 Update: New supply is 165k. [2025.10 Update] The top offer has expired. Current offer is only 140k.
2025.5 Update: There are 5FN offers (up to 60k each). This is the best offer on this card. [Expired]
Application link
Benefits
- 175k offer: earn 175,000 IHG points after spending $5,000 in 3 months. This is the best score offer; the best recent offer is the 5FN (up to 60k each).
- IHG points are valued at approximately 0.5 cents/point (Hotel Points Value). So a 175k donation is worth about $875.
- Get a 40k free night (FN) certificate every year after the anniversary date of your account renewal. You can also use existing IHG points to redeem your FN at hotels above the 40,000 point redemption level.
- Earn 10x points at IHG properties, 5x points at restaurants, supermarkets and gas stations, and 3x points on other purchases.
- Earn up to $50 in United TravelBank Cash each calendar year: You’ll receive one $25 United TravelBank cash deposit on or about January 1, and another $25 United TravelBank cash deposit on or about July 1. Deposits made between January 1 and June 30 will expire on July 15, regardless of the date of deposit. Deposits made between July 1 and December 31 will expire on January 15, regardless of the date of deposit. You must complete the registration once to receive this benefit. This benefit is actually worthless due to short expiration and small amount.
- Earn 10,000 bonus points + $100 statement credit after spending $20,000 in purchases and make one additional purchase each anniversary year.
- 20% discount 20% more when you buy IHG points with your card.
- Spend 3 nights, get the 4th night free.
- Free IHG Platinum membership as long as you have this card. Get IHG Diamond Membership when you spend $40k.
- Global Entry or TSA PreCheck credit $100 every 4 years.
- There is no foreign currency.
- Look friend. Please click this link to start referencing. You can earn 10,000 bonus IHG points for every approved account you refer, up to 5 approved transfers (50,000 IHG points) per calendar year.
Evil
- $99 annual fee, EXCLUDING first year.
- Free nights are valid for one year only.
Recommended Application Period
- [5/24 Rule] If you have 5 or more new accounts opened in the last 24 months, Chase will not approve your application for this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not just Chase accounts. See this post for details on how to bypass this rule.
- This product is available to you if you do not have a current IHG Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. Note that what matters here is the time you received the signup bonus, not the time you opened or closed the account. This does not apply to Business Card Credit Card products.
- Do not apply for more than 2 credit cards within 30 days, or you are more likely to be declined.
- We recommend that you apply for this card after you have had a credit history of more than a year.
Summary
Compared to other hotel groups, IHG is strong in national parks and small towns in the middle of nowhere. Since the 2022.3 update, you can now use 40k FN and other bonus points to book higher class hotels, and this has greatly increased the flexibility of FN. This card isn’t a good card for everyday spending because IHG points aren’t very valuable, so the 10k spend bonus is basically a joke. Keeping this card long term is basically equivalent to spending $99 to buy 40k FN, whether it’s worth it depends on your travel frequency etc.
Related Credit Cards
| Chase IHG Traveler | Chase IHG Premier | Chase IHG Premier Business | |
|---|---|---|---|
| Annual Fee | $0 | $99 | $99 |
| Free Night | there is none | up to 40k | up to 40k |
After applying
- Call 800-436-7927 to check the status of your Chase application. This is an automated phone line, and the information has the following meanings: Getting a decision within 2 weeks means your application is likely to be approved; Getting a decision in 7-10 days means your application has probably been rejected; Getting a decision within 30 days means that your application needs further review and there is nothing to tell you yet.
- Find the back door number for Rethink: 888-270-2127 or 888-609-7805. Call it if you are not approved right away. Your personal information will be received and they will update it. You don’t usually answer questions, instead, you enjoy the music and it gets approved or rejected, or more information is needed to be forwarded to a branch or sent by fax.
Historical Supply Chart
Program Link
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