Chase IHG Premier
Chase
Welcome Offer
Our take
A mid-tier hotel card that can work well for travelers who use IHG properties and can redeem the annual-night benefit without contortions. The broad IHG footprint is useful, but point values can vary widely. Benefits should be judged against specific stays and routes rather than an average online valuation.
Best for
- ✓ Regular IHG guests
- ✓ Road-trip and international travelers who value IHG's footprint
- ✓ People able to use the annual-night benefit before expiration
Not ideal for
- — Travelers with no consistent IHG stays
- — People seeking premium luxury-hotel treatment
- — Anyone likely to let annual certificates expire
Conservative break-even test
Identify a realistic annual-night redemption first, then use the cash price you would pay as its value. Add status and point benefits from planned stays only; do not count speculative future trips.
First year vs. ongoing year worksheet
For year two, remove the one-time welcome offer entirely. To recover a $99 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $9,900 in eligible annual spend before counting credits you would genuinely buy anyway.
Data reviewed 2026-07-01. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.
Earning Rates
Benefits & Credits
Annual Free Night Award at eligible IHG Hotels & Resorts worldwide; up to 40,000-point cap (can add own points to redeem at higher categories).
/yearUp to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fee, every 4 years.
Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc.). Requires active DashPass enrollment. Per Chase cobrand-doordash terms.
/quarterHotel Status
Other Benefits
Get a fourth night free on award stays of 3+ nights
Complimentary IHG Rewards Club membership
Insurance
Application Rules
Sources
Last Updated: Jul 1, 2026