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IHG One Rewards Premier
October 2026 refresh: the fee rose to $150 but added $200 a year in credits (IHG food and drink plus flights) and a bigger 50,000-point anniversary night; status drops from Platinum to Gold. The free night plus credits still outweigh the fee for anyone who stays at IHG once a year.
$1,738/yrest. value at typical spending
$150annual fee
$200yearly credits
−$50fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 5x | $400/mo |
| Groceries | 5x | $600/mo |
| Flights & hotels | 5.2x | $300/mo |
| Rent | 2x | $2,500/mo |
| Gas & transit | 5x | $150/mo |
| Streaming | 2x | $80/mo |
| Online shopping | 2x | $200/mo |
| Everything else | 2x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- Annual fee $150 for applications from Oct 1, 2026 (existing cardholders move from $99 at their 2027 renewal)
- Up to $100 a year in Food & Beverage Rewards at IHG hotels (added Oct 2026)
- $100 statement credit each year on qualifying flights (added Oct 2026)
- 10x points at IHG hotels from the card, on top of IHG member points
- 5x at restaurants
- 5x at gas stations
- 5x at U.S. supermarkets
- 3x on utilities, select streaming, phone services
- 2x on everything else
- Free anniversary night at an IHG property up to 50,000 points (up from 40,000)
- Complimentary IHG One Rewards Gold Elite status (was Platinum before Oct 2026)
- 15 Elite Night Credits a year, plus 2 more for every $5,000 spent
- 4th night free on award stays of 4+ nights
- Global Entry/TSA PreCheck credit ($100 every 4 years)
- No foreign transaction fees
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- Delta Gold$150 annual fee$1,141est. value/yr
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