IHG One Rewards Premier Card
- Annual fee
- $150
- Top rewards rate
- 5%on flights
- Annual credits
- $320+$120 every 4 yrs
- Welcome bonus
- 180,000 points after $3,000 spend in 3 months
- Point value
- 0.5¢per point
- Foreign transaction fee
- 0%
Much of the value here is in $320 of annual credits rather than the earn rate. Worth it only if you’d use them.
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Full earn rates: 5% on flights, 3% on other travel, 5% on gas & ev charging, 5% on dining and 5% on groceries, then 3% on everything else.
Annual Credits
This card currently offers $320 in annual credits, plus a $120 Global Entry/TSA PreCheck/NEXUS credit every 4 years. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $100 Airline statement credit (after $250 on direct flights) requires spending in this category · ends 2027-12-31
- $120 Global Entry/TSA PreCheck/NEXUS $120 every 4 years
- $100 IHG food and beverage vouchers ($25/quarter) requires enrollment or a specific merchant
- $120 DoorDash non-restaurant promo ($10/month) requires enrollment or a specific merchant · ends 2027-12-31
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Sign-Up Bonus
after spending $3,000 in the first 3 months
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Flights | 5% | Unlimited |
| Other travel | 3% | Unlimited |
| Gas & EV Charging | 5% | Unlimited |
| Dining | 5% | Unlimited |
| Groceries | 5% | Unlimited |
| Hotels if you qualify | 10% | Earns 10% only on stays at IHG Hotels and Resorts. Other hotels earn 3%. |
| Other travel if you qualify | 5% | Earns 5% only at car rental agencies. Rideshare, transit and other travel earn 3%. |
| All other purchases | 3% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
What that looks like
Spend $2,500 on flights and you earn 12,500 points, worth about $63 once redeemed. That works out to 2.5% on that spending, not 5%.
Points worth approximately 0.5¢ each based on typical redemption value.
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the IHG One Rewards Premier Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the IHG One Rewards Premier Card?
The IHG One Rewards Premier Card has an annual fee of $150.
What is the sign-up bonus for the IHG One Rewards Premier Card?
New cardholders can earn 180,000 points after spending $3,000 in the first 3 months.
Does the IHG One Rewards Premier Card charge foreign transaction fees?
No, the IHG One Rewards Premier Card does not charge foreign transaction fees.
What categories earn bonus rewards with the IHG One Rewards Premier Card?
The IHG One Rewards Premier Card earns 5% on flights, 3% on other travel, 5% on gas and EV charging, 5% on dining, 5% on groceries. It also advertises 10% at IHG hotels and 5% on car rentals, but those rates apply only when you qualify, so they are excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.