Chase · Personal card
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card has a $150 annual fee and up to $320 a year in statement credits, across four credits, plus two that need spending first. Three of the six IHG Premier credits need a one-time enrollment before any spending counts, and Chase will not apply them retroactively.
- Annual fee
- $150
- Charged on your account anniversary
- Credits a year
- Up to $320
- 4 statement credits, used in full
- Need enrollment
- 3 of 6
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Monthly DoorDash non-restaurant promoEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| Instacart creditEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| United TravelBank creditEnroll first$25 every six months. Twice a year, in January and July | $25 every six months | Twice a year, in January and July | $50 |
| Global Entry, TSA PreCheck or NEXUS credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| $20,000 spend statement credit$100 a year. On January 1 | $100 a year | On January 1 | Not countedOnly after $20,000 of spending, so not in the total |
| Annual airline statement credit$100 a year. On January 1 | $100 a year | On January 1 | Not countedOnly after $250 of spending, so not in the total |
| Total a year, if you use every credit | $320 |
What people get wrong
- Enrollment comes first. Three benefits need a one-time enrollment. Spend before you enroll and nothing posts, because Chase will not apply a credit retroactively.
- Some credits need spending first. Those are listed above but left out of the total, because you don't get them by default.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the IHG Premier
What is the annual fee on the IHG One Rewards Premier Credit Card?
$150 a year, charged each year on your account anniversary.
How much are the IHG Premier credits worth?
Up to $320 a year if you use all four statement credits in full. The largest: Monthly DoorDash non-restaurant promo ($120), Instacart credit ($120) and United TravelBank credit ($50).
Which IHG Premier benefits need enrollment?
Three of the six: Monthly DoorDash non-restaurant promo, Instacart credit and United TravelBank credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the IHG Premier credits reset?
Monthly credits reset on the 1st of each month, and twice-yearly credits on January 1 and July 1. Unused credit does not roll over.
Is the IHG Premier worth the $150 fee?
On credits alone, only if you use at least 47% of them. They add up to $320 a year against the $150 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the IHG Premier earn?
IHG One Rewards points, worth about 0.55 cents each in a typical redemption.
