IHG One Rewards Premier Select Credit Card

Our review

The IHG One Rewards Premier Select is Chase's new top-tier IHG card, and it is built for people who stay with IHG often. It earns up to 28x total points at IHG hotels, 6x on dining and all other travel including rideshare, and 3x on everything else, with automatic Platinum Elite status and an anniversary free night worth up to 60,000 points.

The $350 fee is steep for a hotel card, but the credits do a lot of the work: up to $300 a year in IHG food and beverage rewards, a $200 airline credit, and a Global Entry or TSA PreCheck credit. Use the free night and the food credits and the card pays for itself.

Our 7.2 out of 10 rating

Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.

Rewards: how it earns

You earn 12x points from the card at IHG hotels (up to 28x total with member and status bonuses), 6x on dining and all other travel including rideshare, and 3x on everything else. I value IHG points at a flat cent like every currency on the site, though most IHG redemptions return less. The 6x on dining and travel is generous for a hotel card, and 3x on all other spending keeps points flowing.

The fine print on rates: IHG points are valued at a flat 1 cent here like every currency on the site, though IHG redemptions typically return less. The free night and the $300 in IHG food and beverage credits are what offset the $350 fee.

Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.

Pros and cons

The welcome bonus

The launch offer is 200,000 IHG points after $5,000 in purchases in the first 3 months. That is a huge haul of IHG points and easily the best reason to apply in year one.

Is it worth the annual fee?

The $350 annual fee is offset by up to $300 in IHG food and beverage rewards ($75 a quarter), a $200 airline credit when you spend $250 on flights, and an anniversary free night worth up to 60,000 points. If you stay at IHG often enough to use the food credits and the free night, the fee more than pays for itself.

First-year value vs ongoing value

The welcome bonus makes year one the high point: roughly $43,310 in value once you count the bonus, this card’s rewards, and its credits, minus the $350 fee. After that, the honest figure is about $41,310 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.

*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.

Benefits and protections

Beyond the rewards, the perks and protections worth knowing about include:

• Up to 28x total points at IHG hotels (12x from the card)
• Anniversary free night worth up to 60,000 points, plus a second after $40,000 in spend
• Automatic Platinum Elite status and 20 Elite Night Credits each year
• No foreign transaction fees

Statement credits

• Up to $300 a year in IHG food and beverage rewards ($75 each quarter)
• $200 airline statement credit when you spend at least $250 on flights booked directly with an airline each year (through 2027)
• Up to $120 Global Entry, TSA PreCheck, or NEXUS fee credit every four years
• Annual free night (up to 60,000 points), plus a second after $40,000 in annual spend

Who should get it, and who should skip it

Get the Premier Select if IHG is your main hotel chain and you stay often. The credits, the free night, and Platinum status make the $350 fee easy to justify.

If you stay at IHG only now and then, the IHG One Rewards Premier gives you a free night and status for much less.

Frequently asked questions

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