Last Updated: 10/08/2025
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Highlights
Purchase APR (Variable APR)
19.99% - 28.49%(Verified 01/24/2025)
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Balance Transfer APR (Variable APR)
19.99% - 28.49%(Verified 01/24/2025)
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Credit Score Range
690 - 850
Annual Fee
$99
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IHG One Rewards Premier Credit Card Review
This is a travel card issued by Chase Bank. If you're wondering whether IHG One Rewards Premier Credit Card is the right card for you, read on.
Key Takeaways
- Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.49%.
- A 5% balance transfer fee. IHG One Rewards Premier Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of IHG One Rewards Premier Credit Card
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IHG One Rewards Premier Credit Card FAQ
Does IHG One Rewards Premier Credit Card have a cash back or rewards program?
IHG One Rewards Premier Credit Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | Up to 5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 5 x points (5 points per $1 spent) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | Up to 26 x points (Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 5 x points (5 points per $1 spent on purchases on restaurants) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 3 x points (3 point per $1 spent) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IHG One Rewards Premier Credit Card have a signup bonus?
Yes. Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Does IHG One Rewards Premier Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the IHG One Rewards Premier Credit Card benefits?
IHG One Rewards Premier Credit Card provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for IHG One Rewards Premier Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.IHG One Rewards Premier Credit Card has a variable purchase APR that ranges from 19.99% up to 28.49%. The card has a variable balance transfer APR that ranges from 19.99% up to 28.49%. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does IHG One Rewards Premier Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does IHG One Rewards Premier Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for IHG One Rewards Premier Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $99*$99 .
What is the customer service phone number for IHG One Rewards Premier Credit Card?
The customer service number for IHG One Rewards Premier Credit Card is (877) 242-7372.
What is the support contact email for IHG One Rewards Premier Credit Card?
The support contact email for IHG One Rewards Premier Credit Card is customerdepartament@chase.com.
What is the login page for IHG One Rewards Premier Credit Card?
You can access the login page of IHG One Rewards Premier Credit Card here.
How do people rate the customer service and user experience of IHG One Rewards Premier Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does IHG One Rewards Premier Credit Card report your account activity to credit bureaus?
Yes, IHG One Rewards Premier Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Chase Bank perform a hard credit pull?
Yes, IHG One Rewards Premier Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for IHG One Rewards Premier Credit Card
- Visit the website of IHG One Rewards Premier Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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