Fine Print Bureau
Chase Ihg One Rewards Premier
Verified 2026-11-10 against Chase Bank's own terms page.
What it costs
- Annual fee: $150
- APR range: 19.49%–27.99%
- Foreign transaction fee: None
What you get, and what you have to do to get it
- $100 Statement Credit (calendar year)
- Additional Elite Night Credits at $15,000 Spend (calendar year)
- Airline Statement Credit (annual)
- Annual Elite Night Credits on Account Opening (annual)
- Annual Food and Beverage Rewards at IHG Hotels (annual)
- Automatic Platinum Elite Status (cardmember year)
- Baggage Delay Insurance (per trip)
- Bonus Points at $15,000 Annual Spend (calendar year)
- Bonus Points at Annual Spending Threshold (annual)
- Complimentary DashPass (annual)
- Complimentary DashPass Membership (one time)
- Diamond Elite Status at $40,000 Annual Spend (calendar year)
- Diamond Elite Status at Annual Spending Threshold (calendar year)
- DoorDash Non-Restaurant Promo (annual)
- DoorDash Non-Restaurant Promo Credits (calendar year)
- DoorDash Non-Restaurant Promotional Discount (calendar year)
- DoorDash Quarterly Discount (quarterly)
- Elite Night Credits for $15,000 Annual Spend (annual)
- Elite Night Credits on Spending (other)
- Global Entry, TSA PreCheck, or NEXUS Fee Credit (other)
- Instacart Credits (annual)
- Lost Luggage Reimbursement (per trip)
- Platinum Elite Status at $15,000 Annual Spend (calendar year)
- Platinum Elite Status at Annual Spending Threshold (calendar year)
- Points Purchase Discount (other)
- Purchase Protection (other)
- Redeem 3 Nights, Get 4th Night Free (per stay)
- Trip Cancellation and Interruption Insurance (per trip)
- United Airlines TravelBank Cash (annual)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $150 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $191 of credit value actually realized by a typical cardholder, out of $489 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-11-10 directly against the issuer's published terms: View Chase Bank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.