IHG Premier
Chase
IHG Premier
Offer Strength
Great offer$125 above typical value
Show breakdown
Estimated bonus value: ~$875
Base score: 48
Hotel boost: +15
Ongoing hotel value (conservative): ~$144
• 1 free night/yr (up to 40,000 pts)
• $50 annual credits
• Platinum Elite status
Current $875 vs typical $750
Net value after annual fee: ~$875
Estimate based on our value hints; not financial advice.
Annual Fee
$99/yr
Credit Score
Good credit recommended (670+)
IHG Premier
Welcome Offer
Earn 175,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Offer ends March 18, 2026.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Up to 26x total points at IHG hotels
5x points on travel and dining
3x points on select streaming services
1x points on all other purchases
Key benefits
Annual free night certificate (up to 40,000 points)
Annual free night certificate (up to 40,000 points)
Automatic Platinum Elite status
Automatic Platinum Elite status
$50 United TravelBank cash each year
$50 United TravelBank cash each year
4th reward night free on point stays
4th reward night free on point stays
$100 credit + 10,000 bonus points after $20,000 annual spend
$100 credit + 10,000 bonus points after $20,000 annual spend
Diamond Elite after $40,000 annual spend
Diamond Elite after $40,000 annual spend
Perks
Platinum Elite: room upgrade, late checkout, welcome amenity
Platinum Elite: room upgrade, late checkout, welcome amenity
20% discount when purchasing IHG points
20% discount when purchasing IHG points
No foreign transaction fees
No foreign transaction fees
Ongoing Value
Annual benefits that offset the fee year after year.
Anniversary Free Night
1 free night per year (up to 40,000 pts)
Annual Credits
$50 in statement credits per year
Elite Status
Platinum Elite (~$60/yr value)
Annual free night (up to 40k points) + Platinum Elite + $50 United TravelBank + 4th night free on reward stays.
Annual Fee Breakeven
Good fit for
About this card
The Chase IHG Premier is a hotel rewards card with a $99 annual fee. New cardholders can earn 175,000 points after spending $5,000 in 90 days.
Best for
occasional travelers, hotel loyalty members
Key considerations
Low annual fee of $99 is easy to offset with benefits. Annual free night certificate helps offset the fee.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Retention Offers
Reported offers when calling to cancel or downgrade. Your offer may vary.
$50 statement credit, no spend required
PhoneFlyerTalk · 2025-12
10,000 IHG points
PhoneReddit · 2025-09
Tip: The free night certificate is often worth more than the $99 fee. Chase may offer a small credit.
Last updated: 2026-03. Not guaranteed.
Card analysis
Offer analysis
The current offer on the IHG Premier awards 175,000 points after spending $5,000 within 90 days of account opening.
Annual fee value
The $99 annual fee is largely offset by ongoing benefits including annual statement credits ($50), Platinum Elite elite status (~$60), with an estimated total value of ~$110 per year.
In the first year, the sign-up bonus alone delivers approximately $886 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the ihg product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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