Chase IHG One Rewards Premier
Chase, Mastercard, $99 annual fee. Earns IHG One Rewards, valued at 0.60¢ a point.
Rates checked against the issuer 2026-09. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $555, or $456 after the fee.
Is the annual fee worth it?
It earns about $555 a year on the illustrative household's spending, which is $456 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $602 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 10x | IHG only. IHG hotels and resorts |
| Gas Stations, Restaurants & Bars, Food Delivery, Flights, Car Rental, Vacation Rentals | 5x | Gas, restaurants and travel |
| Everything else | 3x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $108 |
| Groceries | $108 |
| Everything Else | $108 |
| Gas Stations | $54 |
| Flights | $36 |
| Online Shopping | $32 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
What the issuer lists besides rewards
- A free night each anniversary at IHG hotels up to 40,000 points
- Automatic Platinum Elite status
- IHG points are worth about half a cent, so the headline rates are smaller than they look
- Purchase protection for 120 days after you buy
- Extended warranty adds a year to manufacturer warranties of three years or less
Similar cards
- Chase Bonvoy Boundless — annual fee $95 a year
- Chase World of Hyatt — annual fee $95 a year
- American Express Marriott Bonvoy Business Card — annual fee $125 a year
- American Express Hilton Honors Surpass — annual fee $150 a year
- Every hotel card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.