The IHG One Rewards Premier now offers 180,000 bonus points after $3,000 in spending in the first three months, back up from 140,000 earlier this year and good enough for the #3 spot on our Best Credit Card Signup Bonuses list. The catch is that Chase raised the annual fee from $99 to $150 at the same time, so the keeper math now rests more on the anniversary free night at properties up to 50,000 points, automatic Gold Elite status, and the fourth reward night free. Earning is strong for a hotel card: 10x at IHG hotels, 5x on flights booked directly with airlines, car rentals, groceries, gas, and dining, and a 3x base rate on everything else, though other travel drops from 5x to 3x after December 31, 2026. A long list of credits, including up to $100 a year in IHG food and beverage vouchers, a $100 airline credit after $250 in direct flight purchases, and monthly Instacart and DoorDash offers through 2027, can cover the fee if you actually use them. Loyal IHG guests should find it easy to justify; occasional guests should be sure the free night alone is worth $150 to them.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels Up to 24x total points at IHG hotels | 10x |
Airlines Airline tickets purchased directly with the airline | 5x |
Car Rentals | 5x |
Travel All other travel earns 5x through December 31, 2026, then 3x; flights booked directly and car rentals stay at 5x Through Dec 31, 2026 | 5x |
Groceries Grocery stores | 5x |
Gas | 5x |
Dining | 5x |
Everything Else | 3x |
| Benefit | Value |
|---|---|
Points Purchase Discount Save at least 30% when purchasing IHG One Rewards points with this card. | 30% |
Global Entry / TSA PreCheck Statement Credit Statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fee. | $120 every 4 yr |
United TravelBank Cash A $25 United TravelBank Cash deposit for January to June and another for July to December, up to $50 each calendar year, after registering your card with your MileagePlus account. | $25 / 6 mo |
DoorDash Non-Restaurant Promo $10 off one non-restaurant DoorDash order each month through Dec 31, 2027 while enrolled in the Chase DashPass membership. Applies to DashPass activations on or after Sep 1, 2026; earlier activations get $10 off each quarter. | $10 /mo |
Instacart Credit Receive a $10 Instacart credit monthly (up to $120 annually) plus a complimentary 3-month Instacart+ membership; an active Instacart+ membership is required, and benefits end 12/31/27. | $10 /mo |
IHG Food and Beverage Reward A $25 Food and Beverage Reward voucher each quarter to redeem on your room bill at IHG Hotels, up to $100 per year | $25 /qtr |
Airline Statement Credit $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27 | $100 /yr |
| Total annual credits | $520 |
Card details
Regular APR | 19.24%–27.74% variable |
Foreign transaction fee | None |