IHG One Rewards Premier by Chase: 26X IHG, 5X travel, dining. $99 annual fee. 140,000-point welcome bonus. Rates and credits verified from issuer pages.
The IHG One Rewards Premier is Chase's mid-tier credit card. The $99/yr annual fee includes a 140,000-point welcome bonus after spending $3,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| United TravelBank Cash | $50/yr | Up to $50/yr in United TravelBank Cash after registering the card with a United MileagePlus account |
Welcome bonus value (year one): ~$2800. Annual statement credits: $50. Minus the $99 annual fee = ~$2751 in year-one net value before any spending earn.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
140,000 points after spending $3,000 in the first 3 months. At our ~2¢/pt valuation, that's roughly $2800 in real value.
Year-one math: welcome bonus value (~$2800) + annual credits ($50) − $99 fee = ~$2751 net before spending earn. Year-two onward, the credits alone need to clear $99 — they do not. Worth it if you'll use the credits, skip if you'd let them expire.
1 recurring statement credit: United TravelBank Cash ($50/yr). Total: $50/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.