The Chase IHG One Rewards Premier Card is at its highest welcome bonus ever: 185,000 IHG One Rewards points, split into two tiers. You earn 150,000 points after $3,000 in purchases in the first 3 months, then an additional 35,000 points after reaching $6,000 total spend in the first 6 months. The standard offer is 140,000 points, so this is 45,000 points above the normal baseline. The offer ends June 24, 2026 at 9 AM ET. As of June 20, 2026, applications are confirmed live through Chase’s website.
This article covers the personal card only. The IHG Premier Business Card had a separate offer that ended April 30, 2026.
What You Get: Offer Details
- 185,000 IHG One Rewards points (all-time high on this card)
- Tier 1: 150,000 points after $3,000 spend in first 3 months
- Tier 2: 35,000 additional points after $6,000 total spend in first 6 months
- Annual fee: $99 (not waived the first year)
- Offer expires: June 24, 2026 at 9 AM ET
Apply for the IHG One Rewards Premier Card at Chase
The standard 140,000-point offer requires only $3,000 in spend over 3 months. The elevated version adds a second spending tier: another $3,000 over months 4 through 6 for the extra 35,000 points. If you were planning to put regular spend on a new card anyway, the additional $3,000 threshold is easy to reach without trying hard.
What 185,000 IHG Points Are Worth
IHG runs a dynamic pricing model, so point values shift based on property, dates, and demand. At a conservative 0.5 cents per point, 185,000 points translate to about $925 in hotel value. At 0.6 cents per point, that rises to $1,110.
The best IHG redemptions tend to be:
- Kimpton hotels: boutique properties in cities like Portland, San Francisco, and Chicago that were historically independent and now carry IHG pricing. Many properties in smaller markets price well under 40,000 points per night.
- InterContinental in secondary cities: properties in markets like New Orleans, Kansas City, or Cleveland carry lower point costs than flagship InterContinentals in New York or London.
- Holiday Inn and IHG branded hotels for road trips or domestic travel where you want a reliable, predictable stay without burning cash.
IHG has 6,000+ properties across 19 brands: InterContinental, Kimpton, Hotel Indigo, Crowne Plaza, Voco, Holiday Inn, avid, Staybridge Suites, Candlewood Suites, and more. The breadth makes it easy to find an IHG property close to wherever you are traveling.
The Card’s Ongoing Benefits
Beyond the welcome bonus, the IHG Premier has a handful of features that make it worth keeping year after year.
Earning Rates
The card earns 26 points per dollar at IHG hotels when you stack all layers: 10 points per dollar from the card, 6 points from your automatic Platinum Elite status, and 10 points from your IHG One Rewards membership. That combined rate is one of the highest at any hotel brand.
Outside of IHG properties:
- 5x points at gas stations, grocery stores, and restaurants
- 3x points on all other purchases
Anniversary Free Night Certificate
Each year on your account anniversary, you receive a free night certificate redeemable at any IHG property. The certificate alone can offset the $99 annual fee at a modest hotel. For Holiday Inn properties in major cities or smaller Kimpton properties, the certificate frequently covers a stay worth $150 or more.
Fourth Night Free on Award Stays
When you book a 4-night award redemption using IHG points, the fourth night is complimentary. This extends the value of every points redemption you make. Note: you cannot stack the fourth-night-free benefit with the anniversary certificate on a single booking, but you can book two separate reservations to take advantage of both.
Platinum Elite Status
The card comes with automatic IHG One Rewards Platinum Elite status for as long as you hold it. Platinum Elite gets you bonus points, room upgrades when available, and priority check-in. It is two tiers above the base IHG One Rewards membership.
No Foreign Transaction Fees
There are no foreign transaction fees on purchases made abroad, which matters for international IHG stays at InterContinental or Crowne Plaza properties.
Who Should Apply
This card makes the most sense if you:
- Stay at IHG hotels at least a few times per year. With 26x at IHG properties and Platinum Elite status, the per-stay value compounds quickly.
- Travel domestically and want a simple way to cover hotel nights on road trips or work travel. Holiday Inn and Staybridge Suites are everywhere.
- Want a hotel card where the annual free night certificate makes the $99 fee a break-even in most years, without elaborate math.
- Already hold or plan to hold a Chase Sapphire card. IHG is a Chase Ultimate Rewards transfer partner at 1:1, so you can move UR points to IHG when the math works in your favor.
Who This Card Is Not For
Skip this card if you primarily stay at Marriott, Hilton, or Hyatt properties, where co-branded cards earn status within those programs instead. IHG points are also harder to use for outsized aspirational redemptions compared to Hyatt, where a single Globalist key can unlock true luxury properties at reasonable point costs.
If you rarely stay at hotels and are not interested in the IHG network specifically, a flexible points card like the Chase Sapphire Preferred or Capital One Venture X will serve you better. Neither of those cards locks you into a single hotel ecosystem.
Bottom Line
185,000 IHG One Rewards points is the highest bonus this card has ever carried. At $99 per year with a free night certificate that usually covers the fee on its own, the ongoing value proposition holds up even after you spend the welcome bonus. The offer ends June 24, 2026 at 9 AM ET. If you have been waiting for an elevated IHG offer, this is it.
Apply Now: IHG One Rewards Premier Card 185K Offer
Frequently Asked Questions
When does the 185,000-point offer end?
The offer ends June 24, 2026 at 9 AM ET. Applications submitted after that deadline will receive the standard 140,000-point offer.
Is the $99 annual fee waived the first year?
No. The $99 annual fee is charged at account opening and is not waived for the first year. Factor that into your first-year value calculation.
Can I earn the bonus if I already have the IHG Premier Card?
No. Chase welcome bonuses are available to new cardmembers only. If you currently have or have had this card, you are not eligible for the bonus.
What is the difference between this offer and the IHG Premier Business Card?
The IHG Premier Business Card had a separate elevated offer (200,000 points) that ended April 30, 2026. This 185,000-point offer is for the personal card only and applies to a different product with different benefits.
How long do IHG One Rewards points last?
IHG points expire after 12 months of account inactivity. Any qualifying earn or redemption activity resets the clock. Cardholders who keep the IHG Premier Card will naturally keep their points active as long as they use the card.
Rates and bonus details verified as of June 20, 2026 via Chase.com. Offer terms subject to change without notice.