IHG One Rewards Premier

$99/year · 140,000 point signup bonus · IHG loyalists, free annual night, hotel status

Advertiser Disclosure: Some of the card links on this page are from our partners. We may receive compensation when you apply through these links. This does not affect our ratings or recommendations. Our opinions are our own.

Quick Stats

Annual Fee

$99

Signup Bonus

140,000 pts

Spend Requirement

$3,000 in 3mo

Foreign Transaction Fee

None

Credit Score

good

Currency

IHG

Earning Rates

brand property26x

travel5x

dining5x

gas5x

other3x

groceries1x

Perks & Benefits

IHG Platinum Elite status
Free night (up to 40k) on anniversary
4th night free on award stays
26x at IHG properties
Global Entry / TSA PreCheck

The Verdict

4/5

ByEllis Church·Mar 11, 2026

A 140K signup bonus and a free night every year — IHG's best card is underrated.

The IHG Premier is the best hotel card you've never heard of. The 4th-night-free benefit alone can save hundreds on a single vacation, and the annual free night more than covers the fee. IHG has the largest hotel portfolio in the world (Holiday Inn, Kimpton, InterContinental, Crowne Plaza), so chances are there's an IHG property wherever you're going. If you stay at IHG 3+ nights a year, this card is a must-have.

Pros

Free night award (up to 40,000 points) on anniversary is worth $100-200+ and covers the $99 fee
4th night free on award stays is a 25% discount on every points redemption of 4+ nights
140K signup bonus is one of the largest hotel card offers available
26x at IHG properties is the highest on-brand earning rate across all hotel cards
Platinum Elite status gets you room upgrades, late checkout, and welcome amenity

Cons

IHG points are worth ~0.5 cents each — earning rate looks huge but real value is more modest
40,000-point free night cap excludes premium IHG properties (InterContinental, Kimpton peak rates)
Only useful if you actually stay at IHG — worthless for Hilton or Marriott loyalists
5x on travel, dining, and gas is decent but not competitive with general travel cards