IHG Premier

Earn 140,000 IHG One Rewards bonus points after spending $3,000 on purchases in the first 3 months from account opening. Points post to your IHG One Rewards account and can be used for reward nights or other redemptions. This offer is available only once at account opening.

Earn up to 26 total points per $1 spent at IHG Hotels and Resorts. The rate combines your card's base earn, your IHG One Rewards membership base earn, and your Platinum Elite status bonus. Use your card at check-out to earn the full combined rate.

Earn 5 IHG One Rewards points per $1 on travel, gas station, and restaurant purchases — including takeout and eligible delivery orders. This accelerated rate applies anywhere in those categories, not just at IHG properties.

Every purchase that doesn't qualify for a higher bonus category earns 3 IHG One Rewards points per $1 spent. There's no cap on this base rate, so all your everyday spending continues to build points toward future IHG stays.

Hit $20,000 in purchases in a calendar year and receive 10,000 bonus IHG One Rewards points. These points are awarded together with a $100 statement credit as part of the same spending milestone. The counter resets each January 1.

Receive $50 in United Airlines TravelBank cash per year, deposited in two $25 installments into your MileagePlus account around January 5 and July 5. TravelBank cash can be applied toward United flight bookings at united.com. A one-time registration linking your IHG Premier card to your MileagePlus account is required to activate this benefit.

Spend $20,000 on the card in a calendar year and earn a $100 statement credit. This credit is awarded alongside 10,000 bonus IHG One Rewards points as part of the same milestone. Spending resets each January 1.

Get a $10 statement credit each month when you use your IHG Premier card for Instacart purchases, worth up to $120 per year. Credits don't carry over to the next month, so use each month's $10 before the billing period ends.

Earn up to $50 in United TravelBank Cash each calendar year to use toward United flights. To unlock it, register your IHG One Rewards Premier Credit Card with your MileagePlus account. The $50 resets each calendar year.

Get up to $120 back as a statement credit to cover the application fee for Global Entry, TSA PreCheck, or NEXUS. Charge the fee to your card to trigger the credit automatically. You can use this credit once every four years.

Get early access to IHG Reward Night sales before they open to the general public, letting you book discounted point stays at participating hotels. Check the IHG website or app for upcoming sale windows. Access is tied to your IHG One Rewards cardmember status.

Save at least 20% when you buy IHG One Rewards points through the IHG website using your Premier card. Use this to top up your balance for a specific redemption. The discount applies only when purchasing with your IHG One Rewards Premier Credit Card.

Earn IHG One Rewards Diamond Elite status — the brand's top tier — by spending $40,000 or more on purchases in a calendar year. Status is granted to the primary cardmember and remains valid through December 31st of the following year. Diamond Elite perks include enhanced upgrades, bonus points, and lounge access at participating properties.

Simply holding the IHG One Rewards Premier card gives you automatic Platinum Elite status — no hotel nights required. Perks include bonus points on IHG stays, complimentary room upgrades when available, and late checkout. Status continues as long as you keep the card open.

Covers essential purchases like toiletries and clothing when your baggage is delayed more than 6 hours. Get up to $100 per day for up to 3 days while you wait. Pay for your trip with your card to be eligible for coverage.

Covers repair or replacement costs if your checked or carry-on baggage is lost, damaged, or stolen during a covered trip. You can get up to $3,000 per covered traveler. Pay for your travel with your card to qualify.

Reimburses pre-paid, non-refundable travel expenses — including flights, tours, and hotels — if your trip is canceled or cut short by a covered reason like illness or severe weather. You can get up to $5,000 per covered traveler and $10,000 per trip. Charge your travel costs to your card to be eligible.

Covers new purchases against damage or theft for 120 days from the purchase date. Use your card to buy the item to activate coverage. Reimbursement is capped at $500 per claim.

Cardholders can activate a complimentary 3-month Instacart+ membership, which provides unlimited free delivery on eligible grocery and household orders. Activate through your card benefits portal before December 31, 2027. After the free period, you must pay to continue the membership.

You pay no foreign transaction fees on purchases made outside the United States. Use your card abroad or on international websites without any added fee on top of your purchase amount.