IHG One Rewards Premier: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

IHG One Rewards Premier earns 5x points at restaurants, 5x points at gas stations, and 3x points on everything else. We value IHG One Rewards at 0.5¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $99.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	5x points	5¢ cash · 2.5¢ travel
Supermarkets	1x points	1¢ cash · 0.5¢ travel
Gas stations	5x points	5¢ cash · 2.5¢ travel
Travel	1x points	1¢ cash · 0.5¢ travel
Online shopping	3x points	3¢ cash · 1.5¢ travel
Drugstores	3x points	3¢ cash · 1.5¢ travel
Transit & rideshare	3x points	3¢ cash · 1.5¢ travel
Streaming	3x points	3¢ cash · 1.5¢ travel
Everything else	3x points	3¢ cash · 1.5¢ travel

Travel value uses 0.5¢ per point for IHG One Rewards, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants, Gas stations. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
$100 statement credit	$100 yearly	$100 / yr
Instacart credit	$10 monthly · enrollment required	$120 / yr
DoorDash credit	$10 quarterly · enrollment required	$40 / yr

Tick the ones you would use and get the fee verdict →

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

How RightCard handles this: add the IHG One Rewards Premier in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the IHG One Rewards Premier earn at supermarkets?

1x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the IHG One Rewards Premier earn on everything else?

3x points on purchases outside its bonus categories.

Is the IHG One Rewards Premier's $99 fee worth it?

Only if the credits and rewards you would actually use add up to more than $99 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are IHG One Rewards Premier points worth?

About 0.5¢ each toward travel by our conservative estimate for IHG One Rewards, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide · Gas stations guide