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Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallThe IHG One Rewards Premier Credit Card now costs $150 a year. Its strongest ongoing benefits are an anniversary award night worth up to 50,000 points (with points top-ups allowed), a fourth night free on qualifying four-night award stays, and recurring credits. Those benefits can outweigh the fee for people who stay at IHG hotels and can use the credits on spending they already planned; they are much less compelling if you rarely choose IHG.
What changed on the IHG Premier card in 2026?
IHG and Chase announced a refreshed card portfolio in October 2026. The Premier card’s current annual fee is $150, and its everyday earning categories and benefits have been updated. The headline changes matter most when comparing the card with IHG’s no-annual-fee option or the higher-fee Premier Select. See IHG and Chase’s October 2026 portfolio announcement and Chase’s current Premier card page for issuer terms.
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Older descriptions of the Premier card may cite a $99 annual fee, a 40,000-point anniversary-night cap, or automatic Platinum status. Those are not the current terms described on Chase’s card page.
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1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsIs the IHG Premier card worth its $150 annual fee?
It can be worthwhile if you regularly stay at IHG properties, can use the card’s credits without buying things you otherwise would not, and expect to redeem the anniversary award or points. The fee is a real annual cost; the advertised face value of credits and points is not cash back and should not be treated as guaranteed savings.
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To judge your own likely value, count only benefits you can use:
- Estimate whether you can book an IHG stay that makes practical use of the anniversary award or fourth-night benefit.
- Count a credit only if you meet its conditions and would otherwise make that purchase.
- Consider whether the card’s IHG-focused rewards and status fit your travel habits better than rewards that can be used across multiple hotel brands.
If you do not use IHG hotels, value transferable rewards more, or would have to spend extra to use the credits, a general-purpose travel card or another hotel card may suit you better. NerdWallet likewise frames the choice around whether IHG’s program and its options fit the traveler; see its October 2026 IHG card review.
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How does the anniversary free night work?
Chase lists an anniversary Reward Night capped at 50,000 points. If a desired IHG night costs more than that, the cardholder can add points from their IHG One Rewards account to cover the difference. The award is useful only if you can find a hotel and date that suit your trip and the redemption you want.
Does IHG give you the fourth night free?
Yes, on a qualifying award stay: when you book four consecutive Reward Nights at the same IHG hotel using points, the fourth night is free. This is not a discount on a cash booking, and it does not apply to bookings of one, two, or three nights.
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What does the card earn?
IHG stays
Chase advertises up to 24 total points per dollar on IHG stays. That maximum combines 10 points from the card, up to 10 from IHG membership, and up to 4 from Gold Elite status. It is not 24 points per dollar from the card alone; the total includes separate program and status earnings.
Other purchases
Chase lists 5 points per dollar on flights booked directly with airlines, car rental agencies, dining, gas stations, and grocery stores, plus 3 points per dollar on other purchases. These are IHG points, so their practical value depends on whether you can redeem them for travel you want.
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Which status comes with the card?
Premier cardmembers receive automatic Gold Elite status while they remain cardmembers. Spending can provide a separate route to higher tiers: Chase lists Platinum Elite after $15,000 in purchases in a calendar year and Diamond Elite after $40,000. These are spend-earned thresholds, not automatic status from simply holding the card.
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What recurring credits and extras are included?
Chase lists the following benefits on its current card page. “Up to” amounts depend on meeting the benefit terms and using the credit before it expires.
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- IHG Food & Beverage Rewards: up to $100 a year, delivered as quarterly $25 vouchers.
- Airline statement credit: $100 when at least $250 is spent on flights purchased directly from an airline in a calendar year. The listed benefit runs through December 31, 2027.
- Global Entry, TSA PreCheck, or NEXUS: up to $120 every four years.
- United TravelBank Cash: up to $50 after registration.
The Chase page also lists DoorDash and Instacart benefits. Their eligibility, enrollment, and expiration conditions affect whether they have value to a particular cardholder, so check the detailed terms on the current benefits page before counting them toward the fee.
How does Premier compare with IHG’s other cards?
The no-annual-fee IHG One Rewards Credit Card is the lower-cost entry point. The Premier Select has a $350 annual fee and larger advertised benefits. The right comparison is not just the list of perks: consider how much of each card’s credits you can actually use, its anniversary award rules, earning categories, status, and how often you stay with IHG. Current portfolio details are in the October 2026 announcement and Chase’s Premier terms.
Is there a welcome offer?
IHG and Chase advertise 180,000 bonus points after $3,000 in purchases during the first three months, through November 18, 2026. This is a time-limited offer, not a permanent card feature; confirm the live offer and its terms on the application page before applying.
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