Is the IHG One Rewards Premier card subject to Chase 5/24?

Yes, the IHG One Rewards Premier card is subject to Chase's 5/24 rule. This means Chase will generally deny your application if you have opened 5 or more personal credit card accounts across all issuers within the last 24 months.

What credit score do I need for the IHG One Rewards Premier card?

To be approved for the IHG One Rewards Premier card, you typically need an excellent credit score.

Can I get the IHG One Rewards Premier bonus twice?

You are not eligible for the welcome bonus if you have received a new cardmember bonus for the IHG One Rewards Premier card within the past 24 months.

What is the annual fee for the IHG One Rewards Premier card?

The IHG One Rewards Premier card has an annual fee of $99.

Does the IHG One Rewards Premier card have foreign transaction fees?

No, the IHG One Rewards Premier card does not charge foreign transaction fees, making it a good option for international travel.

How long do I have to meet the minimum spend for the IHG One Rewards Premier bonus?

You have 180 days from account opening to spend $6,000 on eligible purchases to earn the welcome bonus.

IHG One Rewards Premier: Earn 185,000 Points & Maximize Stays

The IHG One Rewards Premier card presents a compelling opportunity for hotel rewards enthusiasts, offering a substantial welcome bonus of 185,000 IHG One Rewards points, estimated to be worth $1,751. To secure this valuable bonus, applicants must meet a minimum spending requirement of $6,000 within the first 180 days of account opening. Eligibility for this Chase-issued card is primarily governed by the strict Chase 5/24 rule, meaning you generally won't be approved if you've opened five or more personal credit cards across all issuers in the past 24 months. Additionally, you cannot have received a bonus for this specific card within the last 24 months. Despite its $99 annual fee, the significant point value and ongoing benefits often make it a worthwhile addition for those looking to maximize their hotel stays and travel rewards strategy.

The IHG One Rewards Premier card is a strong contender for anyone looking to boost their hotel points balance, especially within the IHG portfolio. This page details the current offer and key considerations for churners and points maximizers.

Current Welcome Bonus & Value

As of June 2026, the IHG One Rewards Premier card offers a generous welcome bonus of 185,000 IHG One Rewards points. Based on current valuations, this bonus is estimated to be worth approximately $1,751.

Minimum Spend to Earn It

To qualify for the welcome bonus, new cardmembers must spend $6,000 on eligible purchases within the first 180 days of account opening. Meeting this requirement is crucial for securing the valuable points.

Who's Eligible?

Applying for the IHG One Rewards Premier card involves specific issuer and card-specific rules:

Chase 5/24 Rule: Chase will generally not approve your application if you have opened 5 or more personal credit card accounts across any issuer within the last 24 months. This rule is a primary hurdle for many applicants.
Bonus Eligibility: You are not eligible for this card's welcome bonus if you have received a new cardmember bonus for the IHG One Rewards Premier card within the past 24 months.
Credit Score: An excellent credit score is typically required for approval for this card.

Is It Worth It? (Pros & Cons)

Evaluating the IHG One Rewards Premier card's worth depends on your travel habits and goals.

Pros:

Substantial Welcome Bonus: The 185,000 points offer significant value for future IHG stays.
No Foreign Transaction Fees: Ideal for international travelers, saving you money on purchases made abroad.

Cons:

Annual Fee: The card carries a $99 annual fee, which must be factored into its overall value.
Chase 5/24 Rule: This can be a significant barrier for those who have recently opened multiple credit cards.

How to Apply

To apply for the IHG One Rewards Premier card, you can typically find the most current offer directly on Chase's website or through trusted affiliate links. Ensure you review all terms and conditions before submitting your application.

Alternatives

If the IHG One Rewards Premier card isn't the right fit, or if you're looking to diversify your points strategy, consider these related cards:

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

IHG One Rewards Premier — 185,000 points bonus