IHG One Rewards Premier Select
Annual fee
$350
Welcome bonus
200,000 IHG One Rewards points+ Plus 10,000 points after adding an authorized user in the first 3 months
Foreign txn fee
0%
Good to know before you apply
- The welcome offer is 200,000 bonus points after you spend $5,000 on purchases in the first 3 months, plus 10,000 points after you add an authorized user in that window. It is a launch offer: apply by November 18, 2026. Not available to current cardmembers of this card, or anyone who received a new cardmember bonus on it in the past 24 months.
- The anniversary free night has a cap of 60,000 points and you can top it up with your own points to book above the cap. Spend $40,000 on the card in a calendar year and you earn an additional free night with a 60,000 point cap.
- You get automatic Platinum Elite status. You also get 20 Elite Night Credits when you open the account and at the start of each calendar year, 2 more for every $5,000 you spend, and 5 more at $15,000. Spend $15,000 in a calendar year for 20,000 bonus points. Spend $25,000 and it is Diamond Elite status through December 31 of the following year.
- The yearly credits are $300 toward IHG food and beverage ($75 each calendar quarter, applied to your room bill, and an unused quarter does not carry over), a $200 statement credit for one airline purchase of $250 or more made directly with the airline each calendar year through December 31, 2027, a Global Entry, TSA PreCheck or NEXUS credit of up to $120 every four years, and up to $50 a year in United TravelBank Cash ($25 about January 5 and $25 about July 5, after a one time registration at ihg.com/united).
- The catch: the fee is $350, the food and beverage credit only works on IHG room bills and resets every quarter, and the 200,000 offer needs $5,000 of spend in 3 months. If you will not use the credits, the free night and the status are what you are paying for.
- The 4th Night Free works on standard room Reward Night stays of four consecutive nights at the same hotel, with no annual cap. It does not apply to paid stays or Points and Cash bookings.
- The card earns 12X points at IHG hotels, up to 28X in total once you add the 10X member earn and up to 6X from Platinum Elite status. You get 6X on dining and all other travel, including rideshare, and 3X on everything else.
- No foreign transaction fees. You save at least 30% when you buy IHG points with the card (purchased points do not count toward elite status). The card also includes a year of complimentary DashPass (activate by December 31, 2027) and a $10 Instacart credit each month, up to $120 a year, plus a 3 month Instacart+ membership that renews automatically at $99 a year. The Instacart benefits end December 31, 2027.
The IHG One Rewards Premier Select is the highest fee card in the IHG lineup, launched October 1, 2026. For a $350 annual fee you get automatic Platinum Elite status, a 60,000 point anniversary free night, up to 28X points at IHG hotels, and $300 a year toward IHG food and beverage. The launch offer is 200,000 bonus points after you spend $5,000 in the first 3 months. Apply by November 18, 2026.
Welcome bonus
What you get for signing up and hitting the minimum spend.
200,000 IHG One Rewards points · $5,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
200,000 IHG One Rewards points · $5,000 spend in 3mo
Plus Plus 10,000 points after adding an authorized user in the first 3 months.
200,000 IHG One Rewards points after spending $5,000 in the first 3 months.
Plus 10,000 points after adding an authorized user in the first 3 months
Earn rates
How many points per dollar across categories.
4 categories · top rate 12x
See the multipliers →
Earn rates
How many points per dollar across categories.
4 categories · top rate 12x
Card-level multipliers. Earn currency: IHG One Rewards.
| Category | Rate | Notes |
|---|---|---|
| Ihg | 12x | Card contribution is 12X. Combined up to 28X in total: 12X from the card, plus 10X IHG One Rewards member base, plus up to 6X from Platinum Elite status (conferred by the card). |
| Dining | 6x | 6X on dining. |
| Travel | 6x | 6X on all other travel, including rideshare. |
| All other purchases | 3x | 3X on all other purchases. |
Transfer partners
Where you can move your IHG One Rewards to airline + hotel programs.
36 partners
Meet the partners →
Transfer partners
Where you can move your IHG One Rewards to airline + hotel programs.
36 partners
Points earned with this card transfer to 36 partner programs via IHG One Rewards.
| To | Ratio | Notes |
|---|---|---|
| American AAdvantage | 5:1 | Convert IHG points to American Airlines AAdvantage by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Aeromexico Rewards | 5:1 | Convert IHG points to Aeromexico Rewards by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Air Canada Aeroplan | 5:1 | Convert IHG points to Air Canada Aeroplan by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Air China PhoenixMiles | 5:1 | Convert IHG points to Air China PhoenixMiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Air India Maharaja Club | 5:1 | Convert IHG points to Air India Maharaja Club by calling IHG One Rewards. Phone only. Rate is 1,000 IHG points for 200 Maharaja Points, the same 5 to 1 value, and can take up to six weeks. Maharaja Points do not convert back to IHG. |
| Air New Zealand Koru | 400:1 | Convert IHG points to Air New Zealand Airpoints by calling IHG One Rewards. Phone only. Rate is 10,000 IHG points for just 25 Airpoints, an unusually poor 400 to 1, making this the weakest IHG airline conversion. Can take up to six weeks. |
| ANA Mileage Club | 5:1 | Convert IHG points to ANA Mileage Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Atmos Rewards | 5:1 | Convert IHG points to Atmos Rewards (the combined Alaska Airlines and Hawaiian Airlines currency, which IHG lists as Alaska Airlines) by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Avianca LifeMiles | 5:1 | Convert IHG points to Avianca LifeMiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| British Airways | 5:1 | Convert IHG points to British Airways Executive Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Cathay Pacific Asia Miles | 5:1 | Convert IHG points to Cathay Pacific Asia Miles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| China Southern Sky Pearl Club | 5:1 | Convert IHG points to China Southern Sky Pearl Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Delta SkyMiles | 5:1 | Convert IHG points to Delta SkyMiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Emirates Skywards | 5:1 | Convert IHG points to Emirates Skywards by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Etihad Guest | 5:1 | Convert IHG points to Etihad Guest by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| EVA Air Infinity MileageLands | 5:1 | Convert IHG points to EVA Air Infinity MileageLands by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Finnair Plus | 5:1 | Convert IHG points to Finnair Plus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Flying Blue | 5:1 | Convert IHG points to Air France KLM Flying Blue by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Gulf Air | 5:1 | Convert IHG points to Gulf Air Falconflyer by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Hainan Airlines | 5:1 | Convert IHG points to Hainan Airlines Fortune Wings Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Club Iberia Plus | 5:1 | Convert IHG points to Iberia Plus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Japan Airlines Mileage Bank | 5:1 | Convert IHG points to Japan Airlines JAL Mileage Bank by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| JetBlue TrueBlue | 5:1 | Convert IHG points to JetBlue TrueBlue by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Korean Air SKYPASS | 5:1 | Convert IHG points to Korean Air SKYPASS by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Singapore KrisFlyer | 5:1 | Convert IHG points to Singapore Airlines KrisFlyer by calling IHG One Rewards. Airline transfers are phone only, never online. IHG's page states 10,000 IHG One Rewards points for 2,000 KrisFlyer miles. Miles can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Malaysia Airlines Enrich | 5:1 | Convert IHG points to Malaysia Airlines Enrich by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Qantas Frequent Flyer | 5:1 | Convert IHG points to Qantas Frequent Flyer by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Qatar Privilege Club | 5:1 | Convert IHG points to Qatar Airways Privilege Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Saudia Alfursan | 5:1 | Convert IHG points to Saudia Alfursan by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| South African Airways Voyager | 5:1 | Convert IHG points to South African Airways Voyager by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| TAP Miles&Go | 5:1 | Convert IHG points to TAP Air Portugal Miles and Go by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Thai Royal Orchid Plus | 5:1 | Convert IHG points to Thai Airways Royal Orchid Plus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Turkish Miles&Smiles | 5:1 | Convert IHG points to Turkish Airlines Miles and Smiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| United MileagePlus | 5:1 | Convert IHG points to United MileagePlus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Virgin Atlantic Flying Club | 5:1 | Convert IHG points to Virgin Atlantic Flying Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Velocity Frequent Flyer | 5:1 | Convert IHG points to Virgin Australia Velocity by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Chase Experiences
Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
IHG One Rewards Experiences
IHG's auction and fixed-price experiences platform. Open to all IHG One Rewards members.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Free nights
Annual free night certificates and similar.
3 benefits
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Free nights
Annual free night certificates and similar.
3 benefits
Anniversary Free Night
Earned each account anniversary with a redemption value cap of 60,000 points. You can add your own IHG One Rewards points to redeem at hotels above the 60,000 point level.
Additional Free Night at $40K Spend
Spend $40,000 on purchases in a calendar year and earn an additional free night with a cap of 60,000 points.
Unlocks at $40,000 spend
4th Night Free on Award Stays
Redeem points for a standard room Reward Night stay of 4 consecutive nights at the same hotel and the 4th night is free, with no annual cap. Not available on paid stays or Points and Cash.
Status
Hotel / airline / partner status this card grants.
2 benefits
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Status
Hotel / airline / partner status this card grants.
2 benefits
Automatic Platinum Elite Status
Automatic Platinum Elite status with the card.
Elite Night Credits
Get 20 Elite Night Credits when you open your account and at the start of each calendar year, 2 more for every $5,000 you spend, and 5 more at $15,000.
Status accelerators
Perks that unlock at spending milestones.
2 benefits
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Status accelerators
Perks that unlock at spending milestones.
2 benefits
IHG Diamond Elite Status at $25K Spend
Spend $25,000 on purchases in a calendar year and the primary cardmember qualifies for Diamond Elite status through December 31 of the following year.
Unlocks at $25,000 spend
20,000 Bonus Points at $15K Spend
Earn 20,000 bonus points when you spend $15,000 on purchases in a calendar year.
Unlocks at $15,000 spend
Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
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Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
Up to $50 United Airlines TravelBank Cash
Receive up to $50 United TravelBank Cash each calendar year, about $25 on January 5 and $25 on July 5, after a one time registration of your card at ihg.com/united.
Statement credits
Bill credits and recurring perks that offset annual fees.
4 benefits
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Statement credits
Bill credits and recurring perks that offset annual fees.
4 benefits
$300 Annual IHG Food & Beverage Credit
Up to $75 each calendar quarter toward eligible IHG food and beverage on your room bill, up to $300 a year. An unused quarter does not carry over.
$200 Annual Airline Credit
A $200 statement credit for one airline purchase of $250 or more made directly with the airline each calendar year, through December 31, 2027.
Global Entry, TSA PreCheck® or NEXUS Statement Credit
Receive a statement credit of up to $120 every four years for the application fee when charged to your card.
Complimentary DashPass + DoorDash Savings
One year of complimentary DashPass, with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027. Activate on or after Sep 1, 2026 and you also get up to $10 off a month on groceries, everyday essentials and more on DoorDash through Dec 31, 2027 while you stay enrolled.
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
Baggage Delay Insurance
Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
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.
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Other
Other perks on this card.
3 benefits
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Other
Other perks on this card.
3 benefits
Instacart Credit + Instacart+
A $10 Instacart credit each month, up to $120 a year, plus a 3 month Instacart+ membership that renews automatically at $99 a year. Benefits end Dec 31, 2027.
Save at Least 30% on IHG Points Purchases
Save at least 30% when you buy IHG One Rewards points with your card. Purchased points do not count toward elite status.
No Foreign Transaction Fees
No foreign transaction fees when using the card for purchases made outside the United States.