The IHG One Rewards Premier Credit Card is likely to be the best consumer card option for anyone who knows they’ll stay at IHG hotels at least once annually due to the card’s annual free night certificate. Cardholders who stay a bit longer at the same hotel can also benefit from the card’s redeem three nights, get the fourth night free benefit. Cardholders are also automatically provided with IHG Platinum Elite status which includes benefits like bonus points, a welcome amenity at check-in and complimentary upgrades (if available). Cardholders can be updated to Diamond Elite status after spending $40,000 on the card in a calendar year.

Rewards: Earn up to 26 points per dollar spent when you stay at IHG Hotels & Resorts, 5 points on travel, gas stations, and restaurants and 3 points on all other purchases.

Welcome offer: Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Annual fee: $99

Other benefits and drawbacks: This card offers some notable additional benefits including up to $100 statement credit for a TSA PreCheck or Global Entry fee application every four years, up to $50 in United Airlines TravelBank Cash each year, and the ability to earn a $100 statement credit and 10,000 bonus points each calendar year after spending $20,000 on the card.

Cardholders can benefit from additional perks including trip cancellation/interruption insurance, travel accident insurance, lost luggage reimbursement, baggage delay insurance, rental car insurance, purchase protection and extended warranty.

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Last Update: June 25, 2024

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