The IHG One Rewards Premier Select Credit Card is the highest-fee consumer IHG card on Chase’s card hub as of October 16, 2026. Chase lists a $350 annual fee.
It sits above the $150 IHG One Rewards Premier Credit Card. The $0 IHG One Rewards Credit Card is the no-fee card in the same series.
What the product is structurally
Premier Select is a revolving consumer credit card issued by JPMorgan Chase Bank, N.A. Points move to the cardmember’s IHG One Rewards account. Chase’s October 16, 2026 page labels the public offer a launch offer.
The card earn rate at participating IHG hotels is 12 points per $1. Dining and other travel, including rideshare, earn 6 points per $1. Other purchases earn 3 points per $1. Chase markets up to 28 total points per $1 at IHG hotels: 12 from the card, up to 10 from IHG membership, and up to 6 from Platinum Elite.
How it works in practice
The published new-cardmember offer is 200,000 bonus points after $5,000 in purchases in the first 3 months from account opening. Adding the first authorized user in those 3 months adds 10,000 bonus points, once. Chase says this offer is available if the applicant does not already have this card and has not received a new-cardmember bonus for this card in the past 24 months.
After each card anniversary, Chase issues an Anniversary Free Night capped at 60,000 points. The cardmember can add IHG points above that cap. Spending $40,000 in a calendar year earns an additional Anniversary Free Night, also capped at 60,000 points.
On a reward stay of four or more consecutive nights at the same IHG hotel, every 4th night is free. The page describes that benefit as redeem-3, get the 4th night free.
Automatic status is Platinum Elite while the account remains a Premier Select account. Chase also deposits 20 Elite Night Credits at opening and at the start of each calendar year, plus 2 Elite Night Credits for every $5,000 spent. Another 5 Elite Night Credits follow $15,000 in purchases in a calendar year, on top of the $5,000 increments. Diamond Elite follows $25,000 in purchases in a calendar year and lasts through December 31 of the following year. The same $15,000 spend also earns 20,000 bonus points.
Fees and pricing mechanics
The annual fee on the October 16, 2026 page is $350. Chase lists a variable APR of 19.49% to 27.99%. Purchases outside the United States have no foreign transaction fee on that page.
Credits listed on the same page:
- Up to $300 a year in IHG food-and-beverage rewards, as a $75 voucher each quarter.
- A $200 airline statement credit after at least $250 on flights purchased directly with the airline, each calendar year through December 31, 2027.
- Up to $120 every four years for a Global Entry, TSA PreCheck, or NEXUS application fee charged to the card.
- Up to $50 in United Airlines TravelBank cash each year after the card is registered with a MileagePlus account.
- A stated 30% discount on IHG points purchases paid with this card. Chase says the discount is at least 30% and cannot be combined with another points-purchase offer.
Chase also lists one year of complimentary DoorDash DashPass if activated by December 31, 2027, then the current monthly DashPass rate, and up to $10 off one non-restaurant DoorDash order each month through December 31, 2027 for memberships activated on or after September 1, 2026. Instacart credits on the page are $10 a month. Those partner credits have enrollment and end dates on the Chase page.
Named protections are baggage delay insurance up to $100 a day for up to 3 days after a delay over 6 hours, lost luggage reimbursement up to $3,000 per covered traveler, purchase protection for 120 days up to $500 per item, and trip cancellation and interruption insurance up to $5,000 per covered traveler and $10,000 per trip.
Limits, eligibility, and availability
This is a U.S. consumer card, subject to credit approval. The launch-offer text limits the new-cardmember bonus by prior Premier Select bonus history over 24 months, not by a restated 5/24 count on the page reviewed.
Elite Night Credits count toward IHG elite status and Milestone Rewards. Only credits earned in a calendar year count toward status for that year. Chase says there is no limit on the 2 credits per $5,000. The account must be open and not in default when benefits are fulfilled.
The 60,000-point free night covers a standard room night and tax at that redemption level. Rooms are limited. The cardmember pays resort fees and incidentals. The certificate is not cash and is not transferable.
Tradeoffs, risks, or limitations
The $350 annual fee is more than double the $150 Premier fee. The published differences are the 12-point IHG earn rate, 6-point dining and travel rate, automatic Platinum Elite, 20 annual elite-night credits, a 60,000-point free-night cap, and a second free night after $40,000 in purchases.
Diamond Elite still requires $25,000 in purchases in a calendar year. It is not included with the annual fee alone.
The $200 airline credit requires $250 in direct airline spend and ends as a published benefit after December 31, 2027. Quarterly food-and-beverage vouchers expire if unused. Welcome-offer amounts on Chase pages change by application channel and date.
