4th night free on award stays + annual free night certificate + Platinum Elite status at $99 annual fee.
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ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
IHG loyalists (Holiday Inn, Crowne Plaza, InterContinental) who want automatic Platinum status and the 4th-night-free award benefit.
The IHG One Rewards Premier carries a $99 annual fee. The annual free night certificate is valid up to 40,000 IHG points. The typical welcome bonus ranges from 140,000 to 175,000 IHG points — verify the current offer at Chase.
IHG One Rewards Premier Credit Card — 4th night free on award stays + annual free night certificate + Platinum Elite status at $99 annual fee. Best for: IHG loyalists (Holiday Inn, Crowne Plaza, InterContinental) who want automatic Platinum status and the 4th-night-free award benefit.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
When booking a standard award redemption of 4 or more consecutive nights at the same IHG property, the 4th night is complimentary — you pay points for 3 nights and receive the 4th at no additional points cost. This effectively reduces your per-night points cost by 25% on qualifying 4-night stays and by proportionally less on longer stays. The benefit applies to standard award redemptions booked through IHG's points redemption channel; it does not typically apply to cash bookings, promotional rates, or all points-and-cash combinations. Verify current 4th-night-free terms — including eligible booking types and any blackout periods — at ihg.com/rewards before booking. Source: Chase/IHG product page, verified June 3, 2026.
IHG One Rewards points expire after 12 months of account inactivity — one of the shorter inactivity windows among major hotel programs. If you have not earned or redeemed points within a 12-month period, all accumulated points are forfeited. Regular purchases on the IHG One Rewards Premier card count as earning activity and reset the inactivity clock. If you travel infrequently, monitor your account activity at ihg.com/rewards and make a small transaction before the 12-month window closes. Verify the current inactivity and expiration policy at ihg.com/rewards. Source: IHG One Rewards program terms.
IHG Hotels & Resorts operates approximately 6,000+ properties across 19 brands globally as of 2026. Brands span from budget and limited-service (Holiday Inn Express, avid Hotels, Candlewood Suites, Staybridge Suites) to mid-scale and upscale (Holiday Inn, Crowne Plaza, voco Hotels, Hotel Indigo, Kimpton Hotels & Restaurants) and luxury (InterContinental Hotels & Resorts, Regent Hotels & Resorts, Six Senses Hotels Resorts Spas). IHG's broad portfolio makes the program useful across a wide price range. Points earned on the IHG One Rewards Premier card can be redeemed across all IHG brands. Verify the current brand list and property count at ihg.com. Source: IHG Hotels & Resorts brand overview, verified June 3, 2026.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the IHG One Rewards Premier Credit Card. This card is issued and operated by Chase Bank USA, N.A. in partnership with IHG Hotels & Resorts. APRs, annual fees, rewards rates, and terms are determined solely by Chase/IHG and may change — verify current terms at chase.com/ihg before applying.
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Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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