Chase / IHG · card facts

IHG One Rewards Premier

Strong annual free-night economics for regular IHG users.

WELCOME BONUS140k pointsSpend $3,000

ANNUAL FEE$99First year: $99

CREDITSHard$50/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$1,117

Welcome bonus · TPG est.+$770

Full advertised annual credits+$50

Rewards on $36,000 benchmark spend+$396

First-year annual fee−$99

Keep / year · best case credits

+$567

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $50 of those credits.

Advertised credits$50

Credit difficultyHard

TPG Aug. 2026 value0.55¢

Annual fee$99

Fee minus advertised credits$49 cost

Credit details

$50 advertised per year · Hard to use fully

Card creditsVaries · Varies difficulty

$50 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.