IHG One Rewards Premier
Raised from $99 on Oct 1, 2026 for new applicants; existing cardmembers keep $99 until their first renewal in 2027
Credits 8
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $520 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
$10 off one Instacart order of $10+ each month with the card; no rollover.
How to activate: Activate free Instacart+ with this card on Instacart's Chase page; the credit needs Instacart+ active.
Condition: Requires an active Instacart+ membership (3 months free, then $99/yr)
$10 off a non-restaurant DoorDash order each month for DashPass activations on or after 9/1/2026 (earlier activations get it quarterly). Includes 12 months of complimentary DashPass if activated by 12/31/2027.
How to activate: Add the card in the DoorDash app and activate the free DashPass; the discount needs DashPass active.
Condition: Requires DashPass activated with this card
Every quarter
$25 voucher each calendar quarter for food and drink charged to your IHG room bill; it expires at quarter end. Excluded at IHG Army Hotels, select Six Senses, Iberostar Beachfront, Holiday Inn Club Vacations Royal Resorts and InterContinental Alliance (Macau). New as of Oct 2026.
Every 6 months
$25 in United TravelBank Cash deposited around Jan 5 and Jul 5 after a one-time registration at ihg.com/united (MileagePlus account needed). The Jan deposit expires Jul 15 and the Jul deposit expires Jan 15.
How to activate: Register once through your IHG One Rewards account, linking your United MileagePlus number.
Every year
$100 statement credit once per calendar year after at least $250 of flights booked directly with an airline; terms run through 12/31/2027. New as of Oct 2026.
Condition: $250+ in flights booked directly with any airline in the calendar year
One free night at IHG hotels costing up to 50,000 points (was 40,000) each account anniversary; top-off with points allowed, and it must be used within 12 months. Existing cardmembers renewing before the end of 2026 still get a 40K certificate. ~$225 conservative value.
15,000 bonus points plus Platinum Elite (rest of that year and the next) and 5 ENCs after $15,000 spend in a calendar year; ~$75 at about 0.5 cents per point. This replaces the old 10K points + $100 credit after $20K.
Condition: After $15,000 in purchases in a calendar year
Every few years
Up to $120 statement credit for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card, once every 4 years.
Perks 7
Benefits you use rather than credits that post to your statement.
Automatic Gold Elite status for new cardmembers; existing cardmembers keep Platinum Elite through 12/31/2027.
Diamond Elite for the rest of that year and the next after $40,000 spend in a calendar year.
4th night free on reward stays of 4+ consecutive nights paid with points; unlimited uses, not valid on paid or Points & Cash stays.
15 ENCs at opening and by Feb 1 each year (existing cardmembers start 1/1/2027), plus 2 ENCs per $5,000 spent (no cap).
Spending $15,000 in a calendar year earns Platinum Elite for the rest of that year and the next (along with 15,000 bonus points and 5 ENCs); one IHG card per member.
One year of complimentary DashPass when activated with the card by 12/31/2027, then it renews at the monthly rate unless cancelled.
Three free months of Instacart+ when activated with the card by 12/31/2027, then it renews at $99 a year unless cancelled.
Also included
- No foreign transaction fees
- 30% off IHG point purchases
- Trip cancellation/interruption insurance
- Baggage delay and lost luggage insurance
- Purchase protection
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the IHG Premier to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.