physixfan
     2026-10-01
    2026-10-01

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[2026.10 Update] Chase and IHG launched the brand new IHG One Rewards Premier Choose Credit score Card at present. It is a premium IHG co-branded card positioned above the common IHG Premier. The annual charge is $350. The launch provide is at the moment 200k IHG factors after spending $5,000, plus one other 10k factors for including a certified person. This launch provide ends on November 18, 2026.

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Advantages

1. 200k+10k welcome provide: Earn 200,000 IHG factors after spending $5,000 within the first 3 months. You possibly can earn one other 10k factors by including a certified person throughout the first 3 months.
2. IHG Factors are value about 0.5 cents/level (Lodge Factors Valuation). Subsequently, the 200k welcome provide is value about $1,000.
3. Beginning within the second 12 months, after paying the annual charge, you obtain one 60k Free Night time (FN) annually. You possibly can prime it up with factors to redeem for inns costing greater than 60k factors. You can even earn one other 60k FN after spending $40k in a calendar 12 months, and this certificates may also be topped up with factors.
4. Earn 12x IHG Factors at IHG inns, 6x on eating and journey, together with rideshare purchases, and 3x on all different purchases.
5. $300 in annual IHG eating vouchers: Obtain one $75 voucher every quarter. It may be used towards eligible meals and beverage prices billed to your room throughout an IHG lodge keep. Every voucher can solely be used as soon as and expires on the finish of the quarter. Any unused quantity is forfeited.
6. $200 annual airline credit score: Buy an airline ticket of at the least $250 immediately from an airline and obtain a $200 assertion credit score. Observe that this profit is at the moment solely assured via December 31, 2027.
7. Cardholders routinely obtain IHG Platinum Elite standing. Spend $25k in a calendar 12 months to obtain Diamond Elite standing, legitimate via the tip of the next calendar 12 months.
8. Cardholders obtain 20 Elite Night time Credit (ENC) annually, instantly reaching the 20-night threshold for the primary IHG Milestone Reward. After that, earn one other 2 ENC for each $5k in spending. When annual spending reaches $15k, you additionally obtain an extra 5 ENC.
9. Spend $15k in a calendar 12 months and, along with the additional 5 ENC talked about above, obtain 20k bonus IHG factors.
10. When redeeming IHG factors for 4 consecutive nights, the fourth evening is free.
11. Obtain a 30% low cost when buying IHG factors.
12. Cardholders obtain $50 in United TravelBank Money per calendar 12 months. The $50 is break up into two $25 deposits: $25 on January 1 and one other $25 on July 1. The primary $25 expires on July 15 of the identical 12 months, whereas the second $25 expires on January 15 of the next 12 months. Registration is required. As a result of the quantity is small and the expiration intervals are brief, this profit shouldn’t be notably helpful. For recommendations on utilizing it, see Chase IHG Premier $25 United TravelBank Money Ideas.
13. As much as $120 in assertion credit each 4 years for International Entry, TSA PreCheck, or NEXUS software charges.
14. There are additionally a number of limited-time Chase advantages, together with one 12 months of complimentary DashPass, as much as $10 per 30 days in DoorDash non-restaurant reductions, and $10 per 30 days in Instacart credit. Most of those advantages are additionally at the moment solely assured via the tip of 2027.
15. No overseas transaction charge.

Disadvantages

1. $350 annual charge, NOT waived first 12 months.
2. Though the $300 annual IHG eating profit has a considerable face worth, it’s break up into $75 quarterly vouchers, have to be used throughout an IHG lodge keep and charged to the room, and every voucher can solely be used as soon as. Subsequently, except you keep at IHG inns repeatedly, it might be tough to make use of the total worth.
3. Free evening is just legitimate for one 12 months.

Advisable Software Time

1. [5/24 Rule] When you have 5 or extra new accounts opened previously 24 months, Chase won’t approve your software, irrespective of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this put up for particulars about easy methods to presumably bypass this rule.
2. This product is on the market to you in case you do not need this card and haven’t acquired a brand new Cardmember bonus throughout the final 24 months. Observe that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account. This enterprise bank card doesn’t have an effect on the signup bonus eligibility of non-public IHG bank cards.
3. Don’t apply for greater than 2 Chase bank cards inside 30 days, or it’s extremely seemingly that you’ll get rejected.
4. We suggest you to use for this card after you’ve a credit score historical past for greater than a 12 months.

Abstract

That is IHG’s new premium private bank card. Its $350 annual charge is $200 larger than the common IHG Premier’s $150 annual charge. In change, the principle advantages are a higher-value 60k FN, Platinum Elite standing, 20 ENC per 12 months, $300 in IHG eating vouchers, and a $200 airline credit score.

The best profit to make use of is clearly the $200 airline credit score: merely buy an airline ticket costing at the least $250 and you may obtain the total credit score in a single transaction. When you additionally keep at IHG inns steadily sufficient to make use of the quarterly $75 eating vouchers, these two advantages alone present $500 in annual face worth, earlier than even contemplating the 60k FN, making the $350 annual charge comparatively straightforward to offset.

Nonetheless, there are additionally apparent drawbacks. The $200 airline credit score is at the moment solely assured via the tip of 2027, whereas the $300 eating profit is break up into $75 quarterly vouchers and won’t be straightforward for everybody to make use of in full. Subsequently, over the long run, this card is most fitted for individuals who keep at IHG inns a number of occasions per 12 months and place significant worth on the 20 ENC and IHG Milestone Rewards.

This card is especially robust for incomes elite qualifying nights. Merely holding the cardboard instantly will get you to IHG’s first Milestone Reward threshold, the place you possibly can choose a collection improve reward. When you already keep at IHG inns through the 12 months and likewise earn further ENC via card spending, reaching 40 nights to unlock the lounge membership reward turns into considerably simpler.

In contrast with the common $150 IHG Premier, the principle benefits of the Premier Choose are the 60k FN, Platinum standing, 20 ENC, the bigger $300 eating profit, and the $200 airline credit score. When you can persistently use these advantages, the additional $200 annual charge is cheap. When you primarily need an annual IHG Free Night time certificates and fourth-night-free award stays, the common Premier is clearly a lot easier.

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After Making use of

• Name 800-453-9719 to test Chase enterprise playing cards software standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain determination in 2 weeks means your software might be authorised; Obtain determination in 7-10 days means your software might be rejected; Obtain determination in 30 days merely means your software requires additional evaluate and there’s nothing to inform you for now.

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