$150/yrIHG One RewardsNo foreign feeMastercardUsually needs 670+
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IHG One Rewards Premier vs. Premier Select
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The IHG One Rewards Premier Select costs $200 a year more than the Premier ($350 against $150) and spends it on a higher rate for dining and travel, not on everyday purchases. The Select earns 12x at participating IHG hotels and 6x on dining and all other travel, including rideshare and local transit, and Chase's terms for it put no date limit on that travel rate. The Premier earns 10x at IHG hotels and 5x on dining, groceries and gas, and its 5x on general travel narrows after December 31, 2026 to airline tickets bought directly and car rental agencies. The Select earns only 3x on groceries and gas. After the credits we count as reliably usable, the Select's effective fee is $120 and the Premier's is $0, so the Select tends to pay off only for a household that spends heavily on dining and travel and little on groceries and gas.
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Overview
$350/yrIHG One RewardsNo foreign feeMastercardUsually needs 750+
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Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Dining
- IHG One Rewards Premier
- 5x
- IHG One Rewards Premier Select
- 6xHighest
Flights outside issuer portals
- IHG One Rewards Premier
- 5x
- IHG One Rewards Premier Select
- 6xHighest
Gas stations (excluding Costco Gas)
- IHG One Rewards Premier
- 5xHighest
- IHG One Rewards Premier Select
- 3x
Groceries — in store
- IHG One Rewards Premier
- 5xHighest
- IHG One Rewards Premier Select
- 3x
Groceries — online
- IHG One Rewards Premier
- 5xHighest
- IHG One Rewards Premier Select
- 3x
Hotels outside issuer portals
- IHG One Rewards Premier
- 5x
- IHG One Rewards Premier Select
- 6xHighest
IHG Properties
- IHG One Rewards Premier
- 10x
- IHG One Rewards Premier Select
- 12xHighest
Other travel outside issuer portals
- IHG One Rewards Premier
- 5x
- IHG One Rewards Premier Select
- 6xHighest
Transit
- IHG One Rewards Premier
- 5x
- IHG One Rewards Premier Select
- 6xHighest
Travel - Car Rentals / Agencies / Cruises
- IHG One Rewards Premier
- 5x
- IHG One Rewards Premier Select
- 6xHighest
Travel - Vacation Homes
- IHG One Rewards Premier
- 5x
- IHG One Rewards Premier Select
- 6xHighest
Everything else
- IHG One Rewards Premier
- 3x
- IHG One Rewards Premier Select
- 3x
| Category | IHG One Rewards Premier | IHG One Rewards Premier Select |
|---|---|---|
| Dining | 5x | 6xHighest |
| Flights outside issuer portals | 5x | 6xHighest |
| Gas stations (excluding Costco Gas) | 5xHighest | 3x |
| Groceries — in store | 5xHighest | 3x |
| Groceries — online | 5xHighest | 3x |
| Hotels outside issuer portals | 5x | 6xHighest |
| IHG Properties | 10x | 12xHighest |
| Other travel outside issuer portals | 5x | 6xHighest |
| Transit | 5x | 6xHighest |
| Travel - Car Rentals / Agencies / Cruises | 5x | 6xHighest |
| Travel - Vacation Homes | 5x | 6xHighest |
| Everything else | 3x | 3x |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Annual Free Night Award
- IHG One Rewards Premier
- $100/yr estimated usableUp to $150/yrEasy to use
- IHG One Rewards Premier Select
- —
IHG Food & Beverage Reward
- IHG One Rewards Premier
- $0/yr estimated usableUp to $100/yrConditional
- IHG One Rewards Premier Select
- —
Airline Statement Credit
- IHG One Rewards Premier
- $50/yr estimated usableUp to $100/yrConditional
- IHG One Rewards Premier Select
- —
Global Entry / TSA PreCheck
- IHG One Rewards Premier
- $30/yr estimated usableEasy to use
- IHG One Rewards Premier Select
- —
United TravelBank Credit
- IHG One Rewards Premier
- $0/yr estimated usableUp to $50/yrConditional
- IHG One Rewards Premier Select
- —
Instacart+ Credit
- IHG One Rewards Premier
- $0/yr estimated usableUp to $120/yrConditional
- IHG One Rewards Premier Select
- —
DashPass + DoorDash Credit
- IHG One Rewards Premier
- $0/yr estimated usableUp to $120/yrConditional
- IHG One Rewards Premier Select
- —
Annual Free Night Award
- IHG One Rewards Premier
- —
- IHG One Rewards Premier Select
- $100/yr estimated usableUp to $150/yrEasy to use
IHG Food & Beverage Reward
- IHG One Rewards Premier
- —
- IHG One Rewards Premier Select
- $0/yr estimated usableUp to $300/yrConditional
Airline Statement Credit
- IHG One Rewards Premier
- —
- IHG One Rewards Premier Select
- $100/yr estimated usableUp to $200/yrConditional
Global Entry / TSA PreCheck
- IHG One Rewards Premier
- —
- IHG One Rewards Premier Select
- $30/yr estimated usableEasy to use
United TravelBank Credit
- IHG One Rewards Premier
- —
- IHG One Rewards Premier Select
- $0/yr estimated usableUp to $50/yrConditional
Instacart+ Credit
- IHG One Rewards Premier
- —
- IHG One Rewards Premier Select
- $0/yr estimated usableUp to $120/yrConditional
DashPass + DoorDash Credit
- IHG One Rewards Premier
- —
- IHG One Rewards Premier Select
- $0/yr estimated usableUp to $120/yrConditional
Estimated usable credit value
- IHG One Rewards Premier
- $180/yr
- IHG One Rewards Premier Select
- $230/yr
Maximum face value
- IHG One Rewards Premier
- $670/yr
- IHG One Rewards Premier Select
- $970/yr
| Credit | IHG One Rewards Premier | IHG One Rewards Premier Select |
|---|---|---|
| Annual Free Night Award | $100/yr estimated usable Up to $150/yr Easy to use | — |
| IHG Food & Beverage Reward | $0/yr estimated usable Up to $100/yr Conditional | — |
| Airline Statement Credit | $50/yr estimated usable Up to $100/yr Conditional | — |
| Global Entry / TSA PreCheck | $30/yr estimated usable Easy to use | — |
| United TravelBank Credit | $0/yr estimated usable Up to $50/yr Conditional | — |
| Instacart+ Credit | $0/yr estimated usable Up to $120/yr Conditional | — |
| DashPass + DoorDash Credit | $0/yr estimated usable Up to $120/yr Conditional | — |
| Annual Free Night Award | — | $100/yr estimated usable Up to $150/yr Easy to use |
| IHG Food & Beverage Reward | — | $0/yr estimated usable Up to $300/yr Conditional |
| Airline Statement Credit | — | $100/yr estimated usable Up to $200/yr Conditional |
| Global Entry / TSA PreCheck | — | $30/yr estimated usable Easy to use |
| United TravelBank Credit | — | $0/yr estimated usable Up to $50/yr Conditional |
| Instacart+ Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| DashPass + DoorDash Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| Estimated usable credit value | $180/yr | $230/yr |
| Maximum face value | $670/yr | $970/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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