IHG One Rewards Premier Card
- Annual fee
- $99
- Top rewards rate
- 5%on travel
- Annual credits
- $100see breakdown below
- Welcome bonus
- 140,000 points after $3,000 spend in 3 months
- Point value
- 0.5ยขper point
- Foreign transaction fee
- 0%
Earns 5% on travel, so it pays off once your travel spending outweighs the $99 fee.
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Full earn rates: 5% on travel, 5% on gas & ev charging and 5% on dining, then 3% on everything else.
Annual Credits
This card currently offers $100 in annual credits. 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 Statement credit after $20k annual spend requires enrollment or a specific merchant
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 |
|---|---|---|
| Travel | 5% | Unlimited |
| Gas & EV Charging | 5% | Unlimited |
| Dining | 5% | Unlimited |
| All other purchases | 3% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
What that looks like
Spend $1,000 on travel and you earn 5,000 points, worth about $25 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 $99.
What is the sign-up bonus for the IHG One Rewards Premier Card?
New cardholders can earn 140,000 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 travel, 5% on gas and EV charging, 5% on dining.
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.