| Category | Rate | Type | Cap |
|---|---|---|---|
|
IHG Hotels and Resorts
Earned on qualifying purchases at IHG Hotels and Resorts. Additional points earned through IHG One Rewards membership base points and Platinum Elite status bonus are separate and governed by IHG One Rewards program terms.
|
10x | Points | No cap |
|
Travel
Earned on qualifying travel purchases with no annual cap.
|
5x | Points | No cap |
|
Gas Stations
Earned on qualifying gas station purchases with no annual cap.
|
5x | Points | No cap |
|
Restaurants
Earned on qualifying restaurant purchases with no annual cap.
|
5x | Points | No cap |
|
All Other Purchases
Base earn rate on all purchases not covered by a bonus category. Excludes balance transfers, cash advances, fees, and other non-purchase transaction types.
|
3x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$100 Statement Credit and 10,000 Bonus Points After $20,000 Annual Spend
Earn a $100 statement credit and 10,000 bonus IHG One Rewards points each calendar year after spending $20,000 in purchases on the card.
|
Credits |
$100 statement credit + 10,000 points after $20,000 spend
Up to $100
|
|
DoorDash Quarterly Non-Restaurant Credit
DashPass members receive up to $10 off per quarter on qualifying non-restaurant DoorDash orders when using the enrolled card at checkout, through December 31, 2027.
|
Credits |
Up to $10/quarter ($40/year)
Up to $40
|
|
Global Entry or TSA PreCheck Statement Credit
Receive a statement credit of up to $100 toward a Global Entry application fee or up to $85 toward a TSA PreCheck application fee when paid with the card. Available once every four years.
|
Credits |
Up to $100 for Global Entry or up to $85 for TSA PreCheck
Up to $100
|
|
Up to $50 United TravelBank Cash Per Calendar Year
Receive up to $50 in United TravelBank Cash each calendar year (up to $25 per semi-annual period) after registering your IHG One Rewards Premier Credit Card with your MileagePlus account. Credits post automatically after registration and eligible airline purchases.
|
Credits |
Up to $50/year ($25 semi-annually)
Up to $50
|
|
Chase Pay Over Time® (My Chase Plan)
Eligible cardmembers can split purchases of $100 or more into equal monthly payments with a fixed monthly fee and no interest, with plan durations ranging from 3 to 24 months.
|
Financial | Flexible installment payments |
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States, making the card suitable for international IHG hotel stays and travel spending.
|
Financial | 0% foreign transaction fee |
|
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to the card for reimbursement of theft and collision damage for most rental vehicles. Coverage is secondary to personal insurance in the U.S. and primary when renting outside your country of residence.
|
Insurance | Secondary CDW coverage (primary abroad) |
|
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
|
Insurance | 1 additional year of warranty |
|
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents are limited to a 90-day coverage period.
|
Insurance |
Up to $500 per item
Up to $500
|
|
Complimentary DashPass Membership (DoorDash & Caviar)
Receive one year of complimentary DashPass membership for both DoorDash and Caviar, providing $0 delivery fees and reduced service fees on eligible orders, when activated by December 31, 2027. After the complimentary period, auto-enrollment at the then-current monthly rate applies.
|
Lifestyle | 12 months complimentary |
|
Free Authorized Users
Add authorized users to the account at no additional cost; authorized users earn IHG One Rewards points on their purchases, which are credited to the primary cardmember's IHG One Rewards account.
|
Other | Complimentary |
|
10X Points at IHG Hotels and Resorts
Earn 10 IHG One Rewards points per $1 spent on qualifying purchases at IHG Hotels and Resorts. Points are in addition to base and elite bonus points earned through the IHG One Rewards program.
|
Rewards | 10x points |
|
20% Savings When Purchasing IHG Points
Save 20% off the standard purchase price when buying IHG One Rewards points directly with the IHG One Rewards Premier Credit Card.
|
Rewards | 20% off purchased IHG points |
|
3X Points on All Other Purchases
Earn 3 IHG One Rewards points per $1 spent on all other purchases not covered by a bonus category, with no annual cap.
|
Rewards | 3x points |
|
5X Points at Gas Stations
Earn 5 IHG One Rewards points per $1 spent on qualifying gas station purchases with no annual cap.
|
Rewards | 5x points |
|
5X Points at Restaurants
Earn 5 IHG One Rewards points per $1 spent on qualifying restaurant purchases with no annual cap.
|
Rewards | 5x points |
|
5X Points on Travel
Earn 5 IHG One Rewards points per $1 spent on qualifying travel purchases with no annual cap.
|
Rewards | 5x points |
|
Refer-a-Friend — Up to 50,000 Points Per Year
Earn 10,000 bonus IHG One Rewards points for each friend approved for a participating IHG One Rewards Credit Card through your referral link, up to 50,000 bonus points per calendar year (5 approved referrals).
|
Rewards | 10,000 points per referral, up to 50,000/year |
|
Up to 26X Total Points at IHG Hotels and Resorts
Cardmembers can earn up to 26x total IHG One Rewards points per $1 at participating hotels: 10x from the card, up to 10x base points from IHG One Rewards membership, and up to 6x Platinum Elite status bonus points (60% bonus), subject to IHG One Rewards program terms.
|
Rewards | Up to 26x total points |
|
Welcome Bonus — Up to 185,000 IHG One Rewards Points
Earn 150,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening, plus an additional 35,000 bonus points after spending $6,000 total in the first 6 months, for a total of 185,000 bonus points. Limited-time offer valid through June 24, 2026.
|
Rewards | Up to 185,000 bonus points |
|
Contactless Tap to Pay
The card supports contactless payment technology for fast and secure checkout wherever the Contactless Symbol is displayed.
|
Security | Complimentary |
|
Zero Liability Protection
Cardmembers are not held responsible for unauthorized charges made with their card or account information when reported promptly to Chase.
|
Security | Complimentary |
|
Annual Free Night Award at Account Anniversary
Receive one Free Night Award each year after your account anniversary, valid for a one-night stay at a participating IHG property with a current point redemption cap of 40,000 points. The award can be topped off with an unlimited number of additional IHG One Rewards points to book higher-category properties. Award expires one year from issuance.
|
Travel | Free Night Award (up to 40,000 points, unlimited top-up) |
|
Automatic IHG One Rewards Platinum Elite Status
Receive automatic Platinum Elite Status in the IHG One Rewards loyalty program each calendar year as a cardmember, with benefits including a 60% bonus points on eligible paid stays, complimentary room upgrades, priority check-in, and early check-in/late checkout (when available). Initial status is awarded within 8 weeks of account opening.
|
Travel | Complimentary Platinum Elite Status |
|
Baggage Delay Insurance
Reimburses up to $100 per day for up to 3 days for essential purchases such as toiletries and clothing when checked or carry-on baggage is delayed more than 6 hours by a passenger carrier.
|
Travel |
Up to $100/day for 3 days
Up to $300
|
|
Early Access to IHG Reward Night Sales
As an IHG One Rewards cardmember, receive early access to IHG Reward Night sales each year before they open to the general public.
|
Travel | Exclusive early access |
|
Fourth Reward Night Free on Consecutive Four-Night Award Stays
When redeeming IHG One Rewards points for a consecutive four-night stay at an IHG hotel, receive the fourth night free at the same property. Applies to standard room award redemptions only.
|
Travel | Fourth night free |
|
Lost Luggage Reimbursement
Provides reimbursement of up to $3,000 per covered traveler for the repair or replacement of checked or carry-on baggage lost, damaged, or stolen during a covered trip. New York residents are additionally limited to $2,000 per bag and $10,000 for all travelers per trip.
|
Travel |
Up to $3,000 per covered traveler
Up to $3,000
|
|
Path to IHG One Rewards Diamond Elite Status
Earn automatic IHG One Rewards Diamond Elite Status when you spend $40,000 or more on purchases in a calendar year with the card, valid through December 31st of the following year.
|
Travel | Diamond Elite Status after $40,000 annual spend |
|
Spend Instantly — Digital Wallet Access
Upon approval, cardmembers can immediately add their new card to Apple Pay, Google Pay, or Samsung Pay for instant use before the physical card arrives.
|
Travel | Instant card access |
|
Trip Cancellation and Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.
|
Travel |
Up to $5,000 per traveler / $10,000 per trip
Up to $10,000
|
