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You have the IHG One Rewards Premier Credit Card
Chase · $99/yr
What you’re getting
- ✓Anniversary free night (up to 40k points) — nearly pays for the AF alone
- ✓Fourth Night Free on award stays
- ✓Platinum Elite status automatic
- ✓Global Entry / TSA PreCheck credit ($100)
- ✓No foreign transaction fees
26x IHG hotels5x Dining5x Gas stations3x All else
What you’re probably missing
Hotel points book rooms — not flights
This card is a strong hotel play, but it can't fund the flight side of a trip. A transferable-points card alongside it covers airfare and tops up hotel balances when transfer partners line up.
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
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