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IHG One Rewards Premier
Score Needed: Good to Excellent
IHG One Rewards Premier
At a glance
Welcome Offer

140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.

Limited Time Offer
New Offer
All time high
Rewards

5X total points on travel

5X total points at gas stations

5X total points on dining

5X total points on dining

5X total points on travel

5X total points at gas stations

3X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$99
IHG One Rewards Premier

Unlock your dream vacations with the Chase IHG One Rewards Premier card. Celebrate yearly with a free hotel night, earn up to 26x points on stays, and enjoy a fourth night free. With Automatic Platinum Elite Status, travel protections, no foreign transaction fees, and application fee credits for Global Entry or TSA PreCheck®, this card enhances every journey.

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Lost Luggage Insurance

Luggage Delay Insurance

Free Night Certificate

Trip Cancellation Insurance

Trip Cancellation/Trip Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Extra Redemption Value

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Premier credit card.

Free Night Certificate

Redeem 3 Nights, Get 4th Night Free

When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.

Purchase Protection

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Lost Luggage Insurance

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Upgraded Statuses

IHG One Rewards Platinum Elite status

As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier cardmember, and as long as your IHG One Rewards membership remains in good standing.

Global Entry and TSA Pre-check

Global Entry, TSA PreCheck® or NEXUS Statement Credit

Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.

Credits

DoorDash

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Luggage Delay Insurance

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Anniversary Bonus

Annual Bnous Spend

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.

Anniversary Bonus

Anniversary Free Night

Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your IHG One Rewards to any of the following Chase Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee
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Upgrade Your Wallet!
IHG One Rewards Premier Click learn more to see if you qualify

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.