Card economics
IHG One Rewards Premier
Annual fee
$99/yr
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Earn rates
| Category | Rate |
|---|---|
| Travel - Flights | 5x |
| Travel - Hotels | 5x |
| Travel - Other | 5x |
| Gas / EV | 5x |
| Dining | 5x |
| Everything else | 3xBase rate |
Fee calculator
Sticker Fee
$99/yr
Credits
-$130
Effective Fee
$0
Credits & Benefits
Max: $150/yr · annual
Free night certificate worth up to 40,000 IHG points after account anniversary. Can top up with points for higher-tier properties.
Max: $100/yr · annual
$100 statement credit plus 10,000 bonus points after spending $20,000 in a calendar year. Threshold-gated.
Max: $120/yr · every_4_years
Up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS (~$30/yr effective).
Max: $50/yr · annual
$50/year in United TravelBank cash. Requires loading TravelBank with the card.
Max: $120/yr ($10/mo) · monthly
3-month complimentary Instacart+ trial plus $10/month Instacart credit. Also includes 1-year complimentary DashPass.
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The IHG One Rewards Premier might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
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