Card economics
IHG One Rewards Premier
Annual fee
$99/yr
Some links are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| IHG Properties | 10x |
| Flights outside issuer portals | 5x |
| Hotels outside issuer portals | 5x |
| Other travel outside issuer portals | 5x |
| Travel - Car Rentals / Agencies / Cruises | 5x |
| Tours & Activities (booked direct) | 5x |
| Gas stations (excluding Costco Gas) | 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.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The IHG One Rewards Premier might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
Run the optimizer — free