Chase · Mastercard World Elite · Personal
IHG One Rewards Premier
A $150-a-year card earning IHG Rewards: 10× on Hotels (Portal), 3× on everything else.
- Annual fee
- $150Charged every year
- Signup bonus
- 180,000 ≈ $1,014 in travel (our estimate)*
- Top rate
- 10×Hotels (Portal)
- Point value
- 0.56¢ In travel · 0.56¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 180,000 points | $1,014 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$150 | −$150 |
| NetYear one includes the bonus · at your inputs · our estimates* | $864 | −$150 |
Bonus terms: Earn 180,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.
Earning structure
8 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Hotels (Portal) NotesEligible purchases at IHG Hotels and Resorts. Card earn rate only; membership and elite points post separately. | 10× | $5.63 | |
Airfare (Portal) NotesAirline tickets purchased directly with the airline. Tickets bought through agencies, discount sites, or as part of a package do not qualify. | 5× | $2.82 | |
Car Rentals (Portal) NotesCar rentals booked directly with the rental agency. Bookings through agencies, discount sites, or packages do not qualify. | 5× | $2.82 | |
Dining NotesRestaurants, including takeout and eligible delivery services. Excludes bakeries, caterers, and food inside hotels or stores unless coded as a restaurant. | 5× | $2.82 | |
Gas Stations NotesGas stations only. EV charging, truck stops, and marinas do not qualify. | 5× | $2.82 | |
Groceries NotesGrocery stores, including pickup and delivery coded as a grocery merchant. Excludes warehouse clubs, Walmart, Target, and drugstores. | 5× | $2.82 | |
Travel Ends Jan 1, 2027NotesBroader Chase travel category, excluding IHG hotel purchases that earn 10x. | 5× | $2.82 | |
| All Other | 3× | $1.69 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $150
- Card type
- Personal
- Network
- Mastercard World Elite
- Bank
- Chase
- Point system
- IHG Rewards
- Travel value (our estimate)*
- 0.56¢ per point
- Cash value (our estimate)*
- 0.56¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules3
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
Benefits16 · 4 high value
- Airport Express Credits High value$120 Global Entry / TSA PreCheck / NEXUS Credit
- Anniversary Bonuses High valueAnniversary Free Night
- Credits & Discounts High valueRedeem 3 Nights, Get 4th Night Free + 6 more credits & discounts benefits
- Instant Perks & Status High valueAutomatic Gold Elite Status
- Earn Perks & Status Diamond Elite Status + 1 more earn perks & status benefit
- Travel Protections Baggage Delay Insurance + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 IHG One Rewards Premier |  IHG One Rewards |  IHG One Rewards Premier Select |  Hilton Honors Surpass | |
|---|---|---|---|---|
| Annual fee | $150 | $0−$150 | $350+$200 | $150Same |
| Signup bonus | 180,000 pts | 125,000 pts | None | 130,000 pts |
| Top rate | 10×Hotels (Portal) | 5×Hotels (Portal) | 12×Hotels (Portal) | 12×Hotels (Portal) |
| Travel value * | 0.56¢IHG Rewards | 0.56¢IHG Rewards | 0.56¢IHG Rewards | 0.42¢Hilton Honors |
| Why it’s here | This card | Same issuer and the same IHG Rewards points, with no annual fee | Same issuer and the same IHG Rewards points | Same $150 annual fee |
IHG One Rewards
$0 fee (−$150) · 5× top125,000 pts bonusSame issuer and the same IHG Rewards points, with no annual fee
IHG One Rewards Premier Select
$350 fee (+$200) · 12× topNone bonusSame issuer and the same IHG Rewards points
Hilton Honors Surpass
$150 fee (same) · 12× top130,000 pts bonusSame $150 annual fee
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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