CHMC

IHG One Rewards Premier

Chase · Mastercard

Annual fee

$99.00

Point value

0.5¢

Foreign fee

0%

Bonus categories

🏨

Hotel

10x

Gas

5x
🍽️

Dining

5x
💳

Everything else

1x

Welcome offer

Historically 125,000-140,000 points + Free Night Award after $3,000-$4,000 spend in first 3 months - verify current offer

How you earn

Up to 26X total points at IHG hotels; verify other category rates

Benefits & credits

  • Automatic Platinum Elite status
  • 4th night free (4-consecutive-night redemption stays)
  • annual Free Night Award
  • up to $120/4yr Global Entry/TSA/NEXUS credit
  • up to $50/yr United TravelBank Cash
  • $100 credit + 10,000 pts at $20,000/yr spend

Rates & fees

Purchase APR

19.24%-27.74% variable

Foreign transaction fee

None (no foreign transaction fee)

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Details verified 8/6/2026 · always confirm current terms with the issuer