What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
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Credit Card
Chase IHG One Rewards Premier Bonus — Up to 180,000 Points + 5,000 points
Apply to Chase IHG One Rewards Premier Bonus and earn up to $925 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $3,000 spend in first 3 months | 180,000 points |
Qualifying Period
3 months from account opening
Payout
6 to 8 weeks after qualifying
Requirements
- ✓$3,000 spend on purchases in first 3 months from account opening
- ✓Account must be open and not in default at time of fulfillment
- ✓$3,000 spend in first 3 months for 150,000 points
- ✓$6,000 total spend in first 6 months for additional 35,000 points
- ✓$3,000 in purchases during the first 3 months from account opening
- ✓$3,000 in purchases within first 3 months
- ✓$3,000 spend in first 3 months
- ✓$6,000 total spend in first 6 months
- ✓$3,000 in purchases within the first 3 months from account opening
- ✓Earn 150,000 points after $3,000 spend in first 3 months
- ✓Earn additional 35,000 points after $6,000 total spend in first 6 months
- ✓Spend $3,000 in first 3 months
- ✓Spend total of $6,000 in first 6 months
- ✓Spend $3,000 within 3 months of account opening
- ✓Spend $6,000 total within 6 months of account opening
- ✓Spend $3,000 within 3 months of account opening (for 150,000 points)
- ✓Spend total of $6,000 within 6 months of account opening (for additional 35,000 points)
Restrictions
- ⚠New cardmember only
- ⚠No current personal IHG One Rewards credit cards
- ⚠No new cardmember bonus for any IHG One Rewards card within last 24 months
- ⚠New customers only
- ⚠No current IHG personal card holders
- ⚠Not eligible if received IHG personal card bonus within last 24 months
- ⚠New cardmembers only
- ⚠Not available to current cardmembers of any personal IHG One Rewards Credit Card
- ⚠Not available to previous cardmembers who received a new cardmember bonus within the last 24 months
- ⚠Not available to previous cardmembers who received a bonus within the last 24 months
- ⚠No bonus received within last 24 months on any IHG personal card
- ⚠Not available if you currently have any personal IHG One Rewards Credit Card
- ⚠Not available if you received a new cardmember bonus on any personal IHG One Rewards Credit Card within the last 24 months
- ⚠Not available to current or recent IHG cardholders
- ⚠Not available to those who received bonus in last 24 months
- ⚠No current IHG One Rewards Credit Card
- ⚠Not received new cardmember bonus within last 24 months
- ⚠Must not have current IHG One Rewards Credit Card
Fees
- $150 annual fee
- $99 annual fee
- Additional 10,000 bonus points after adding an authorized user in first 3 months from account opening
- Automatic Platinum Elite status
- Anniversary free night at eligible IHG Hotels & Resorts
- $100 airline statement credit when spending $250+ on direct airline purchases per calendar year through 12/31/27
- Up to $120 Global Entry, TSA PreCheck, or NEXUS fee credit every 4 years
- Up to $50 United TravelBank cash annually after registration
- Account must be open and not in default at time of bonus fulfillment
- One IHG One Rewards Credit Card account per IHG One Rewards member is eligible for the Diamond Elite Status award
- Authorized user bonus of 10,000 points requires the AU to make a purchase within first 3 months
- $100 IHG Food & Beverage Rewards includes five $20 vouchers for eligible F&B charges at participating IHG Hotels
- Card must be open and not in default at time of fulfillment
- Offer expired June 24, 2026
- Bonus posted to IHG One Rewards account
- Account must be open and not in default at time of fulfillment
- Bonus points posted to IHG One Rewards account
- Offer ended June 24, 2026 at 9am ET; current offer is 140,000 points with lower spend requirements
- Limited-time offer
- Points earned automatically transfer to IHG One Rewards after each billing cycle
- Annual free night certificate (up to 40,000 points) awarded on card anniversary
- Fourth reward night free on consecutive 4+ night point redemptions
- Purchases exclude balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino chips, race track wagers, checks accessing account, interest, unauthorized charges, and fees
- Bonus posts to IHG One Rewards account
- Bonus points earned after meeting minimum spend requirements
- Purchases exclude balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino chips, race track wagers, checking transactions, interest, unauthorized/fraudulent charges, and fees
- Purchases are defined as when you or an authorized user use the card to make purchases of products and services
Total potential bonus
$925
Additional Referral Bonus (how it works)
5,000 points
Your 50% share of 10,000 points paid directly by the referrer
View Referral Terms →180,000 points (sign-up) + 10,000 points (referral) = $925 total
ExpiredOffer expired June 23, 2026
Last updated October 14, 2026
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How to evaluate Chase IHG One Rewards Premier Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- 3 months from account opening
- Payout timeline
- 6 to 8 weeks after qualifying
How to qualify
- $3,000 spend on purchases in first 3 months from account opening
- Account must be open and not in default at time of fulfillment
- $3,000 spend in first 3 months for 150,000 points
- $6,000 total spend in first 6 months for additional 35,000 points
Common pitfalls
- New cardmember only
- No current personal IHG One Rewards credit cards
- No new cardmember bonus for any IHG One Rewards card within last 24 months
- New customers only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $5,000 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include 180,000 points sign-up bonus, 5,000 points referral share for a total displayed potential of $925. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Chase IHG One Rewards Premier Bonus expire?
Chase IHG One Rewards Premier Bonus expires on June 23, 2026.
