29 Benefits of the IHG One Rewards Premier Select Credit Card [2026]

The IHG One Rewards Premier Select Credit Card is the most premium of IHG’s recently revamped card collection. The card is ideal for IHG loyalists who frequently stay at IHG hotels and want to make the most of their experience, whether that be better points earnings, elite status, or additional perks — especially if they don’t mind paying a higher annual fee.

But with that annual fee comes numerous benefits that can add up to hundreds, even thousands of dollars, making it easy to get a lot of value from the card and offset its cost. These are the top 29 benefits of the IHG Premier Select card.

IHG Premier Select Card Overview

The IHG Premier Select card is packed full of useful perks for IHG fans, starting with a high welcome offer and some generous bonus categories.

Though this new IHG co-branded card does have a $350, you can easily outweigh it by taking advantage of its many benefits, which include a free anniversary night, automatic IHG One Rewards Platinum Elite status, and various statement credits, including an airline credit and food and beverage credits at IHG resorts.

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The Brand New IHG One Rewards Premier Select Credit Card

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The IHG Premier Select card is a compelling option for travelers who frequently stay at IHG hotels, and want a card that will help them earn more points on all of their stays.

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The Brand New IHG One Rewards Premier Select Credit Card

The IHG Premier Select card is a compelling option for travelers who frequently stay at IHG hotels, and want a card that will help them earn more points on all of their stays.

Welcome Offer

Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

200,000 points

UP's Offer Valuation*:

$1,000

Annual Fee

$350

APR

19.49%- 27.99% Variable

Why We Like This Card

The IHG Premier Select card is a compelling option for travelers who frequently stay at IHG hotels, and want a card that will help them earn more points on all of their stays, and comes with automatic IHG Platinum Elite status.

Pros & Cons

Pros

• Up to 28x total points on IHG stays
• 6x points on dining and all other travel, including rideshare
• 3x points on all other purchases

Cons

• $350 annual fee
• Food and beverage credits don’t roll over quarter to quarter

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Card Highlights

• Limited Time Launch Offer! Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.
• Enjoy up to $300 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
• This card offers over $1,000 in value your first year!
• Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
• Earn up to 28X total points on stays at IHG Hotels & Resorts
• Earn 6X points on dining and all other travel, including rideshare. Earn 3X points per $1 spent on all other purchases.
• Automatic Platinum Elite status as long as you remain an IHG One Rewards Premier Select cardmember. Plus, get 20 Elite Night Credits each year.
• Earn 2 Elite Night Credits for every $5,000 you spend on your card.
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Kimpton^®, Hotel Indigo^®, Crowne Plaza^®, EVEN^® Hotels, & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 19.49%- 27.99% Variable
• Foreign Transaction Fees: 

Earning IHG One Rewards Points

Some of the most valuable benefits of the IHG Premier Select card are related to earning points — and lots of them.

1. High Welcome Offer

Presently, the IHG Premier Select card has the following welcome offer:

• Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

Hot Tip:

Earned the IHG welcome offer? Here’s how to maximize your IHG One Rewards points for the best value, from InterContinental Madrid to Holiday Inn Bangkok.

2. Significant Earnings at IHG Properties

IHG Premier Select cardholders can get up to 28x points for stays at IHG properties.

The breakdown is as follows:

• 12x points for using your card
• 10x points for being an IHG One Rewards member
• 6x points for being at Platinum Elite member

Clearly, using the card for IHG stays is how you can get the most out of the card, especially when it comes to earning. For example, if you spent $700 on your card at an IHG hotel for a 2-night stay, you’d get 19,600 IHG One Rewards points.

3. Additional Bonus Category

While IHG stays are where you can really max out your earnings, the card also earns 6x points on travel purchases, including ride-shares.

4. Elevated Earning on Everyday Spending

You can get 3 points for every $1 you spend on the card that’s not in one of the aforementioned bonus categories.

Here at Upgraded Points, we love cards that have increased earnings on all purchases, and the IHG Premier Select card is perfect for that department store purchase, school fee, new car, or anything else that doesn’t fall into a traditional bonus category.

5. Earn Bonus IHG One Rewards Points

If you spend $15,000 on your card each calendar year, you can earn an additional 20,000 bonus IHG One Rewards points.

6. Save When Buying Points

Cardholders get an additional 30% on points purchases when you use your IHG Premier Select card to buy IHG One Rewards points.

Elite Status Perks

The card offers automatic elite status, elite night credits (ENCs), and a pathway to higher status through spend.

7. Automatic Platinum Elite Status

Once you’re approved for the card, you automatically get Platinum Elite status, which offers top perks like:

• Guarenteed room availability if you reserve 72 hours in advance
• Welcome amenity, such as points or a drink, at check-in
• Access to Milestone Rewards
• Early check-in and late checkout, based on availability
• Room upgrades, when available
• Hertz Gold Plus Rewards Five Star elite status

8. Spend Your Way to Diamond Elite Status

You can earn Diamond Elite status by spending $25,000 annually on purchases. Diamond Elite status offers the same perks as Platinum Elite, plus additional benefits, such as choosing between free breakfast and points as a welcome amenity and Hertz President’s Circle elite status.

9. Automatic Elite Night Credits

You may be able to reach the next level of elite status simply by earning enough credits, and you get 20 elite night credits automatically after your account opening and at the start of each calendar year thereafter. Plus, this automatically unlocks your choice of a Milestone Reward — something like a suite upgrade, 5,000 bonus points, or a food and beverage reward.

10. Additional Elite Night Credits Through Spend

For every $5,000 you spend on your IHG Premier Select card, you get 2 elite night credits, which can help you reach elite status faster.

Additionally, you can get 5 more elite night credits after spending $15,000 on purchases in a calendar year (this is on top of the 2 ENCs you get for every $5,000 spent on the card).

Hot Tip:

Want an IHG card but know that the IHG Premium Select card isn’t the right fit? Check out our top credit cards for IHG loyalists — there’s something for everyone.

IHG Perks, Lifestyle and Travel Benefits, and Statement Credits

Get various travel and lifestyle perks, as well as benefits that can enhance your stays at IHG properties.

11. Stay for 3 Nights With Points, Get a Fourth Free

Every time you redeem points for a consecutive 4-night IHG hotel stay, you get the fourth night free.

12. Food and Beverage Credit at IHG Hotels

Use up to $300 in food and beverage credits annually at IHG hotels. This means you get a $75 voucher quarterly to use for drinks and food during your IHG stays.

13. Airline Statement Credit

Charge a flight that costs $250 or more to your card, and you’ll get a $200 statement credit each calendar year (through December 31, 2027).

14. Free Anniversary Night

Get a free night certificate worth 60,000 points (and you can apply additional points if your chosen hotel is over the 60,000-point cap) each year on your card anniversary. This perk alone could outweigh the annual fee.

15. Additional Anniversary Night Through Spending

If you spend $40,000 on your card within a calendar year, you’ll get another free night to use (with a redemption cap of 60,000 points).

16. Global Entry, NEXUS, or TSA PreCheck Credit

Get up to $120 as a statement credit once every 4 years when you use your card to pay for your Global Entry, NEXUS, or TSA PreCheck membership.

17. United TravelBank Credit

Link your IHG Premier Select card with your United MileagePlus account to get $50 of United TravelBank credit: $25 deposited into your United TravelBank account twice each calendar year in January and July.

18. DoorDash Benefits

Get a 1-year complimentary DashPass by DoorDash membership ($120 in value annually), which offers unlimited deliveries with $0 delivery fees and lower service fees on eligible orders (must activate by December 31, 2027).

You also get $10 monthly off on DoorDash nonrestaurant orders, like groceries and essentials, through December 31, 2027 (valid for Chase DashPass sign-ups on or after September 1, 2026).

19. Instacart Benefits

Cardholders get a complimentary 3-month Instacart+ membership, which includes unlimited deliveries with $0 delivery fees on eligible orders. After that, you automatically stay enrolled in Instacart+ at 25% off the annual rate (through December 31, 2027).

You also receive $10 worth of Instacart credit monthly, up to $120 in total each calendar year.

20. No Foreign Transaction Fees

The IHG Premier Select card has no foreign transaction fees, making it a solid choice to pay for IHG hotel stays and other purchases abroad.

Travel and Purchase Protections

This card can help keep your purchases and trips safe.

21. Travel Accident Insurance

Charge even a portion of your trip to your IHG Premier Select card and receive a benefit if there is a severe injury or death on a common carrier or another type of travel accident during your travels. Depending on the injury or loss, the benefit provides up to $500,000 for the common carrier benefit and $100,000 for a 24-hour-a-day accident benefit.

22. Travel and Emergency Assistance Services

At any time, make just a single call to reach emergency or travel assistance. Receive help with emergency transportation, legal and medical referrals, trip assistance, translation services, and much more. There is no charge for the referral service, but cardholders are responsible for the actual services of the providers.

23. Lost Luggage Reimbursement

If your luggage is lost or stolen during your trip, you could receive up to $3,000 per person per covered trip.

24. Baggage Delay Insurance

When your baggage is delayed, you may need to purchase necessities. Baggage delay insurance provides up to $100 per day for 3 days when your luggage is delayed 6 hours or more.

25. Automobile Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your IHG Premier Select card. Coverage is provided for theft and collision damage for most cars in the U.S and abroad. Protection is valid for rental terms of 31 days or less and is secondary to your own automobile insurance in the U.S.

26. Trip Cancellation and Interupption Insurance

If your trip is canceled or shortened by illness, severe weather, or other covered situations, you can get up to $5,000 per covered traveler and $10,000 per trip for your prepaid, nonrefundable travel expenses (these might include passenger fares, tours, and hotels).

27. Purchase Protection

Get 120 days of protection for theft and damage from the date of purchase for items purchased with your IHG Premier Select card. Coverage is up to $500 per item.

28. Extended Warranty

Your card extends the manufacturer’s U.S. warranty by an additional year when you purchase an eligible product with it that has a warranty of 3 years of less, up to 4 years from purchase.

29. Fraud Protection

The IHG Premier Select card protects you against fraud with alerts and zero liability limits.

Final Thoughts

If you love staying at IHG properties and do so frequently, the IHG Premier Select card is the ideal card for you. It comes with automatic elite status, flexible ways to earn lots of points, and various statement credits and perks that can make your IHG stays more enjoyable. And if you spend a lot on the card, the perks continue rolling in. Just make sure to use all the benefits the card offers to help offset the annual fee.