Our illustration in the card’s colours, not its design
Chase credit card
IHG One Rewards Premier Credit Card
- APR up · 19.24% to 19.49% · Oct 10, 2026
- Bonus up · 140,000 to 180,000 · Oct 2, 2026
$99 a year. 180,000 IHG One Rewards points after you spend $3,000 in 3 months. Purchase APR 19.49–27.99%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn 180,000 Bonus Points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
“Membership auto-renews at $99/yr.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · sites.chase.com
“19.49% to 27.99% , based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
180,000 points
After you spend $3,000 on purchases in your first 3 months.
- Spending it takes
- $1,000 a month
- for 3 months
- Tracking since
- Oct 2, 2026
- history will chart every change
Bonus posts to the IHG One Rewards account 6 to 8 weeks after qualifying; account must be open and not in default at fulfillment. Separately, 10,000 bonus points are awarded once after adding an authorized user in the first 3 months from account opening. Offers may vary depending on where you apply and can change over time.
- The highest we’ve seen on this card: above every earlier offer (most recently 140,000 IHG One Rewards points until 2026-10-02).
Who can get it: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.
“This credit card is not available to either (i) current cardmembers of any personal IHG One Rewards Credit Card, or (ii) previous cardmembers of any personal IHG One Rewards Credit Card who received a new cardmember bonus for any personal IHG One Rewards Credit Card within the last 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$100 | −$100 | |
| Typical spender | −$100 | −$100 | |
| Heavy spender | −$100 | −$100 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
−$100a year
The same in the first year and after.
Rewards and credits$0
−$100 after the fee−$100 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
−$100a year
The same in the first year and after.
Rewards and credits$0
−$100 after the fee−$100 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
−$100a year
The same in the first year and after.
Rewards and credits$0
−$100 after the fee−$100 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year+$645 a year
- Chase Sapphire PreferredChase · $95 a year+$585 a year
- Citi Strata Premier - TravelCiti · $95 a year+$570 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
IHG One Rewards
How you earn
- 10×
- Hotels participating in IHG One Rewards
- 5×
- Airline tickets when purchased directly with the airlineCar rental agenciesDining at restaurants, including takeout and eligible delivery servicesGrocery storesGas stationsTravel rewards category through December 31, 2026, excluding purchases at hotels participating in IHG One Rewards that qualify for 10 points
- 3×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Airline statement credit on flights booked directly with the airline: $100 annual
- Global Entry, TSA PreCheck or NEXUS application fee credit: $120 every 4 years
- IHG Food & Beverage Reward voucher: $25 quarterly
- DoorDash non-restaurant order discount: $10 monthly
- Instacart monthly credit: $10 monthly
All 6 benefits
- United TravelBank Cash deposit: $25 semiannual
Changes
- Oct 10, 2026 APR 19.24% to 19.49%
- Oct 2, 2026 Bonus 140,000 to 180,000
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com “Membership auto-renews at $99/yr.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “19.49% to 27.99% , based on your creditworthiness and other factors.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “19.49% to 27.99% , based on your creditworthiness and other factors.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $10 or 5% of the amount of each transaction, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $99 · chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 10, 2026
- What is the purchase APR?
- 19.49–27.99% APR · sites.chase.com, since Oct 10, 2026
- Is there a welcome bonus?
- 180,000 IHG One Rewards points after $3,000 in purchases in 3 months. · chase.com, since Nov 1, 2026