IHG One Rewards Premier by Chase: 10x hotels, 5x dining & restaurants, 5x gas stations, 5x travel (broad), 3x everything else. $99 annual fee.…
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 |
|---|---|---|
| $100 statement credit (annual $20,000 spend) | $100/yr | Earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year. |
| United TravelBank Cash | $50/yr | Up to $50/yr in United TravelBank Cash after registering the card with a United MileagePlus account |
| Anniversary Free Night (up to 40,000 points) | $240/yr | Automatic each account anniversary year; redeemable at a property up to 40,000 points (may top up with own points for higher). Verified first-party 2026-07-05. |
Welcome bonus value (year one): ~$840. Annual statement credits: $390. Minus the $99 annual fee = ~$1131 in year-one net value before any spending earn. RewardsGuru rating: 4.4/5 — based on our net-value methodology.
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 ~0.6¢/pt valuation, that's roughly $840 in real value.
Year-one math: welcome bonus value (~$840) + annual credits ($390) − $99 fee = ~$1131 net before spending earn. Year-two onward, the credits alone need to clear $99 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
3 recurring statement credits: $100 statement credit (annual $20,000 spend) ($100/yr), United TravelBank Cash ($50/yr), Anniversary Free Night (up to 40,000 points) ($240/yr). Total: $390/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.