Question 1

Is the IHG One Rewards Premier worth the annual fee?

Accepted Answer

The IHG One Rewards Premier is worth its $99 annual fee if you use most of its 14+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do IHG One Rewards Premier benefits expire?

Accepted Answer

IHG One Rewards Premier benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track IHG One Rewards Premier benefits?

Accepted Answer

Track IHG One Rewards Premier benefits by: 1) listing all 14+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the IHG One Rewards Premier earning rates?

Accepted Answer

The IHG One Rewards Premier earns: 10x on At IHG Hotels & Resorts (up to 26x total with elite bonuses), 5x on At gas stations, 5x on At restaurants. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

Does the IHG One Rewards Premier have foreign transaction fees?

Accepted Answer

No, the IHG One Rewards Premier has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

IHG One Rewards Premier

IHG One Rewards Premier

Earning Rates

Card Benefits

Dining

Travel

Flights

Hotels

Credits

Insurance

Status

Card Details

IHG One Rewards Premier

IHG One Rewards Premier

Earning Rates

Card Benefits

Dining

Travel

Flights

Hotels

Credits

Insurance

Status

Card Details