ChaseIHG One Rewards Premier
$99Regular IHG guests
Free-night cap and IHG-specific value
Check current offer This link goes to Chase’s site. Dean earns nothing if you apply.Chase IHG One Rewards Premier
Annual fee $99. 10X card points at IHG plus bonus travel, dining, and gas.
See if it fits my walletDean’s short answer
Best fit: Regular IHG guests.
Hotel co-brand
This card and its closest alternatives
The 3 reviewed personal cards that share the most card types and features with the IHG One Rewards Premier.
When a link pays Dean a commission, the card says so right there. Paid or not, the ranking never changes, and no issuer sponsors or endorses Dean. Approval, rates, and terms are controlled by the card issuer.
American ExpressHilton Honors Card
$0American Express Hilton Honors Card
Annual fee: $0, against $99 for the IHG One Rewards Premier. Best fit: Occasional Hilton guests wanting a no-fee keeper. Dean’s catalog lists it as: Hotel co-brand, No annual fee.
Read Dean’s reviewAmerican ExpressHilton Honors Surpass
$150American Express Hilton Honors Surpass
Annual fee: $150, against $99 for the IHG One Rewards Premier. Best fit: Regular Hilton guests who use Gold benefits and credits. Dean’s catalog lists it as: Hotel co-brand.
Read Dean’s reviewChaseMarriott Bonvoy Boundless
$95Chase Marriott Bonvoy Boundless
Annual fee: $95, against $99 for the IHG One Rewards Premier. Best fit: Marriott guests who can use the anniversary night. Dean’s catalog lists it as: Hotel co-brand.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| IHG One Rewards PremierChase | $99 | 10X card points at IHG plus bonus travel, dining, and gasAnniversary free night; Platinum status; fourth reward night; application-fee credit | Regular IHG guests | Free-night cap and IHG-specific value | Chase Checked 2026-07-22 |
| Hilton Honors CardAmerican Express | $0 | 7X Hilton; 5X U.S. restaurants, supermarkets, and gas; 3X other eligible spendHilton Silver status; no foreign transaction fee | Occasional Hilton guests wanting a no-fee keeper | No automatic annual free night | American Express Checked 2026-07-22 |
| Hilton Honors SurpassAmerican Express | $150 | 12X Hilton; bonus U.S. dining, supermarket, gas, and online retail categoriesHilton Gold status; quarterly Hilton credits; free-night path after annual spend | Regular Hilton guests who use Gold benefits and credits | Quarterly credits and spend thresholds require tracking | American Express Checked 2026-07-22 |
| Marriott Bonvoy BoundlessChase | $95 | Elevated Marriott earning plus grocery, gas, and dining bonusesAnnual free-night award; Silver status; 15 elite-night credits | Marriott guests who can use the anniversary night | Free-night cap and annual fee | Chase Checked 2026-07-22 |
What it earns
10X card points at IHG plus bonus travel, dining, and gas.
What comes with it
Anniversary free night; Platinum status; fourth reward night; application-fee credit.
Dean treats these as the reasons to hold the IHG One Rewards Premier. If you would not use them, the card is worth less to you than its marketing says.
- Anniversary free night
- Platinum status
- fourth reward night
Who can get it
Dean lists the IHG One Rewards Premier for good, excellent credit. It is a personal card. Availability: public national.
A listed credit range is a starting point, not an approval promise. Chase decides approval, your credit limit, and your rate when you apply.
The catch
Free-night cap and IHG-specific value.
Annual fee: $99. Dean checked the fee and terms against Chase on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
How a airline co-brand card works
Rewards and perks tie to one airline or alliance. Free checked bags, priority boarding, lounge access, companion benefits, award discounts.
Best for: People loyal to a specific airline. Watch for: Lower value when flying other airlines; devaluations are outside the issuer's control.
How a hotel co-brand card works
Rewards and benefits tie to one hotel program. Elite status, anniversary nights, elite-night credits, on-property earning.
Best for: Travelers who repeatedly stay with one hotel group. Watch for: Free-night rules, resort fees, and program changes can limit value.
How a retail open-loop co-brand card works
Merchant-branded Visa, Mastercard, or Amex that also works elsewhere. High merchant rewards plus general network acceptance.
Best for: Loyal customers who still need an everyday payment card. Watch for: Outside-merchant rewards are often weak.
Flat rewards: how to value it
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Travel portal multiplier: how to value it
Higher rewards or credits for issuer-portal bookings.
Conditions to check: Portal price, cancellation rules, elite credit, and direct-booking benefits. Compare the total trip terms, not only the multiplier.
Annual travel credit: how to value it
Statement credit or instant discount for eligible travel.
Conditions to check: Calendar versus cardmember year, portal or merchant restrictions, exclusions. Value it at face value only if you would use it naturally.
Sources and scope
Check the evidence, then check the live offer.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.