Chase IHG Premier
The Chase IHG Premier from Chase has a $150 annual fee. At $2,650 a month of typical household spending it pays about $592 a year after fees, before statement credits, $44 less than the Citi Double Cash, a flat 2% card.
Terms checked October 26, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Chase IHG Premier earn?
10x IHG hotels; 5x airlines and car rentals; 3x other travel (all travel earns 5x until Dec 31, 2026); 5x gas; 5x dining; 5x groceries; 3x on everything else.
Not counted in the numbers on this page:
- Extra 10,000 points for adding an authorized user within 3 months
- Up to 24x total on IHG stays only after adding IHG member points and elite status
How much would it pay you a year?
This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Chase IHG Premier | Citi Double Cash (2%) |
|---|---|---|
| $1,500 | $270 | $360 |
| $2,650 (the survey median) | $592 | $636 |
| $5,000 | $1,251 | $1,200 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It was never the best of the 53 cards for any household, and paid more than the Citi Double Cash, a flat 2% card, for 31%. For the median household it paid $38 a year less than the flat 2% card.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
What credits does it come with?
Up to $400 a year in credits, worth that much only if you would spend at these merchants anyway. PointMaxx counts a credit only when your statements show you'd have used it.
| Credit | Up to |
|---|---|
| Global Entry / TSA PreCheck / NEXUS credit | $120 every 4 years ($30 a year) |
| IHG food and beverage credit | $25 a quarter ($100 a year) |
| Airline statement credit | $100 a year |
| United TravelBank Cash | $25 every six months ($50 a year) |
| Instacart credit | $10 a month ($120 a year) |
Fees and sign-up bonus
- Annual fee: $150.
- Foreign transaction fee: none.
- Sign-up bonus: 180,000 points ($1,080 at 0.6¢ a point) after $3,000 of spending in 3 months. Offers change and can differ by applicant, so check the issuer's page.
Other benefits
- Anniversary free night: IHG hotels up to 50,000 points per night, each year
- IHG Gold Elite status: automatic
- Fourth reward night free: on four-night point redemptions
- DoorDash DashPass: 12 months complimentary
- Instacart+ trial: 3 months complimentary
- Trip cancellation/interruption insurance: up to $5,000 per traveler, $10,000 per trip
- Baggage delay insurance: up to $100/day for 3 days
- Lost luggage reimbursement: up to $3,000 per traveler
Cards that pay about the same
At $2,650 a month, these pay closest to the Chase IHG Premier:
- Amex Blue Cash Preferred: $582 a year
- Citi Strata: $572 a year
- Capital One Savor: $569 a year
- U.S. Bank Altitude Connect: $560 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
- onemileatatime.com/news/ihg-chase-credit-card-changes/
- thepointsguy.com/news/ihg-premier-select-card-launch/
- eyeoftheflyer.com/2026/10/01/ihg-credit-card-changes-premier-select/
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Chase; the card's name is used only to say which card is meant.