Why you should get (and keep) the IHG One Rewards Premier card
Editor's Note
Whether you stay at IHG hotels and resorts a few times each year or weekly, you should seriously consider the IHG One Rewards Premier Credit Card (see rates and fees).
This card has a compelling welcome offer to attract new cardholders. But it is also one of my favorite cards to keep long-term due to its many perks, which can easily offset its modest $99 annual fee.
Here's why I love my IHG One Rewards Premier card and plan to keep it in my wallet for the foreseeable future.
Welcome offer
The welcome offer for the IHG One Rewards Premier Credit Card is 175,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
So, based on TPG's June 2025 valuations, the welcome offer is worth $875.
Note that the IHG One Rewards Premier card and its welcome offer aren't available if you are a:
- Current cardmember of any personal IHG One Rewards credit card
- Previous cardmember who received a new cardmember bonus within the last 24 months for any personal IHG One Rewards credit card
The Chase 5/24 rule may also prevent you from being approved for a new Chase credit card.
Related: Is the IHG One Rewards Premier card worth the annual fee?
Anniversary night
Even if you don't spend many nights in hotels or prefer a different hotel loyalty program, the IHG One Rewards Premier Credit Card may still be worth its $99 annual fee. After all, most cardholders can get more than $99 of value each year from one benefit: the IHG anniversary night certificate you receive after each account anniversary.
You can use the anniversary night for a night with a redemption rate of 40,000 points or less. If you want to use your anniversary night toward a night costing more than 40,000 points, you can redeem points from your IHG account to top up the certificate. You must redeem your anniversary night and complete your stay within 12 months of the certificate's issue date.
I've gotten good value from my anniversary nights over the years. And as long as you're getting more than $99 of value from your anniversary night certificate each year, keeping the IHG One Rewards Premier card long-term likely makes sense, especially once you consider the card's other perks.
Related: The 19 best IHG hotels in the world
Fourth-night reward perk
My favorite perk of the IHG One Rewards Premier Credit Card is the "redeem three nights, get fourth reward night free" benefit. In short, this perk lets you pay zero points for every fourth night when you redeem IHG points for a stay of four nights or longer.
Let's look at an example. For the following stay, I'd pay zero points for my fourth night due to the IHG fourth-night reward perk.
This perk also works for longer stays. For example, here's an eight-night stay during which my fourth and eighth nights would cost zero points after the fourth-night reward perk.
Every fourth night will cost zero points, regardless of whether these nights are the cheapest or most expensive of your stay. Best of all, you can use this benefit unlimited times. So, if you frequently redeem IHG points for stays of four nights or longer, this card benefit will likely save you a significant amount of points.
Related: How my IHG One Rewards Premier Credit Card pays for itself each year
Other valuable benefits
The IHG One Rewards Premier Credit Card offers other useful benefits to cardholders, including:
- Automatic IHG Platinum Elite status for as long as you keep your IHG One Rewards Premier card
- The ability to earn Diamond Elite status through the end of the following calendar year, during any calendar year you make at least $40,000 in purchases with your IHG One Rewards Premier card
- No foreign transaction fees
- A Global Entry, TSA PreCheck or Nexus credit of up to $120 every four years as reimbursement for an application fee charged to your card
- A $25 United Airlines TravelBank cash deposit in your MileagePlus account twice a year (on or around Jan. 5 and July 5; you must complete a one-time registration for this perk)
- Earn a $100 statement credit and 10,000 bonus points each calendar year you make at least $20,000 in purchases with your IHG One Rewards Premier card
Plus, you'll earn 10 points per dollar at IHG hotels and resorts, 5 points per dollar on other travel and hotels, gas stations and dining at restaurants (including takeout and eligible delivery services), and 3 points per dollar spent on other purchases with your card.
Related: The best hotel credit cards with annual fees under $100
Bottom line
Once you have the IHG One Rewards Premier Credit Card, two card benefits — the anniversary night certificate and the fourth-night-reward perk — should provide significantly more value than the $99 annual fee each year. As such, I believe the IHG One Rewards Premier card is valuable to get and keep long-term.
Check out our full IHG Premier Credit Card review for more details.
Apply here: IHG One Rewards Premier Credit Card
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees