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Hotels are one of the biggest expenses when it comes to vacationing -- but with the IHG One Rewards Premier Credit Card in your pocket, it won't take you long to get to a free hotel stay. This is a hotel credit card favorite for good reason: It comes with a generous sign-up bonus, a great rewards rate, and perks like hotel status and annual free nights. Discover all the travel benefits of this card in our IHG One Rewards Premier Credit Card review.
IHG One Rewards Premier Credit Card
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49% - 28.49% Variable
Rewards Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Annual Fee N/A
$99
Welcome Offer Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Earn 165,000 bonus points
This card has a very lucrative bonus you can earn after opening an account, and allows you to rack up tons of point on hotel stays.
This credit card is a good fit for: Travelers who want to earn free nights and get special perks at IHG® hotels.
Spending at least $3,000 in the first 3 months will earn you 140,000 bonus points and a free night. This is a very competitive sign-up bonus for the annual fee.
Every year on your card anniversary you'll be gifted a free night that can be used at any IHG® hotel that's worth 40,000 points per night or fewer.
Cardholders are automatically upgraded to IHG® Rewards Club Platinum Elite status, which comes with a few useful perks. You'll get 20% off point purchases, the anniversary free night, and a fourth reward night free. The latter benefit gives you a free reward night every time you book an award stay of four nights or more.
For those who travel abroad frequently, it's important to have a credit card with no foreign transaction fee. The IHG One Rewards Premier Credit Card does not charge one.
Read more: Best Hotel Credit Cards
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IHG One Rewards Premier Credit Card |
The World of Hyatt Credit Card |
Chase Sapphire Preferred® Card |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. Earn 165,000 bonus points |
Welcome Offer: Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Earn up to 60,000 Bonus Points |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. 60,000 bonus points |
Rewards Program: Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases. Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts |
Rewards Program: Earn up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member Up to 9 points total per $1 spent at Hyatt |
Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Regular APR: 21.49% - 28.49% Variable |
Regular APR: 21.49% - 28.49% variable |
Regular APR: 21.49%-28.49% Variable |
Annual Fee: N/A $99 |
Annual Fee: N/A $95 |
Annual Fee: N/A $95 |
Highlights:
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Apply Now for Chase Sapphire Preferred® Card
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The information related to The World of Hyatt Credit Card has been collected by The Ascent and has not been reviewed or provided by the issuer.
The $99 annual fee is lower than many travel credit cards, but it's not waived the first year. The annual free night is offered as an incentive to keep the card and pay the fee, but because the annual free night can be redeemed only at hotels valued at 40,000 points or below, there is a limit to how much value you can get from it.
If you're looking to redeem your points for something other than a stay at an IHG® hotel, you won't have much luck. While this credit card does offer plenty of options for transferring your points to various airlines, most of them transfer at a rate of 10,000 points for 2,000 miles, meaning even the 140,000-point sign-up bonus isn't enough for a round-trip flight on most airlines.
While the sign-up bonus and rewards rate on this card are massive, the points you earn are worth less than most other hotel points. We calculate that IHG® points are worth $0.005 each on average.
Read more: Best Travel Cards With No Annual Fee
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Applicants with excellent credit (a FICO® Score of at least 670) have a great chance of approval for the IHG One Rewards Premier Credit Card.
The IHG One Rewards Premier Credit Card is a very high-value card for people who stay in IHG® hotels regularly, and even for those who just want to travel more often and enjoy IHG® properties. Even though there's an annual fee, we calculate the sign-up bonus on this card to be worth at least $625 in hotel spending.
In addition, if you travel regularly, you'll still find the card worthwhile beyond the sign-up bonus. The Global Entry statement credit saves you $100 every four years. And the annual free night perk alone makes the annual fee worth it if you already have plans to stay in a qualifying IHG® hotel the following year.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The minimum starting credit limit for the IHG One Rewards Premier Credit Card is $2,000. Credit limits vary depending on the applicant's creditworthiness, and some cardholders have reported much higher limits of $15,000 or more.
No, the IHG One Rewards Premier Credit Card isn't free. It has a $99 annual fee.
No, points earned with the IHG One Rewards Premier Credit Card don't expire as long as your card remains active. Cardholders are automatically upgraded to IHG One Rewards Premier Credit Card status, and points don't expire when you have elite status. Without elite status, points would expire after 12 months of no account activity.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
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