Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 10x on hotels (catalog median is 2x)
- The $99 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $99 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$87/yr
$186 rewards - $99 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$112/yr
$211 rewards - $99 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$341/yr
$440 rewards - $99 fee
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
10x
Other Travel
2x
Online Shopping
1x
Rideshare
2x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 0.5 cents per point
The Fine Print That Changes the Math
26x at IHG hotels, 5x on travel/dining/gas, 3x everywhere else. Platinum Elite status. Free night (up to 40k points) annually.
IHG One Rewards Premier Credit Card FAQ
What is the IHG One Rewards Premier Credit Card annual fee?
The IHG One Rewards Premier Credit Card has a $99 annual fee.
What is the IHG One Rewards Premier Credit Card signup bonus?
140,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the IHG One Rewards Premier Credit Card?
10x on hotels, 2x on flights, 2x on other travel. Everything else earns 1x.
Is the IHG One Rewards Premier Credit Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $87/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is IHG One Rewards Premier Credit Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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