Points · Mastercard · $350 annual fee
Last verified 2026-10-26. Review issuer source

Chase IHG One Rewards Premier Select is a $350-a-year points card from Chase. Its best everyday rates are 6x on dining, 6x on ridesharing, and 6x on travel; everything else earns 3x. There is also 12x on IHG Hotels & Resorts, a single-merchant rate. Rewards are IHG One Rewards points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year its rewards come to $312, $38 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 200,000 points after $5,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with IHG One Rewards often enough to use the free night. A general travel card earns points that go more places.
Earn 6X points on dining
Up to 28X total points at IHG® Hotels and Resorts That's 12X points with this card. Plus up to 10X points from IHG® for being an IHG One Rewards member. Plus up to 4X points from IHG® with Platinum Elite Status, a benefit of this card.
Earn 6X points on ridesharing
Earn 6X points on travel
Earn 200,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.
Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit - Receive a statement credit of up to $120 every four years for the application fee of Global Entry, TSA PreCheck® or NEXUS when charged to your Card.
Up to $120 in DoorDash non-restaurant promo - Get up to $10 off monthly on groceries, everyday essentials, and more on DoorDash through Dec 31, 2027 as long as you remain enrolled in your Chase DashPass membership. Only for enrollees who sign up for this Chase DashPass membership on or after Sep 1, 2026.
Up to $120 in Instacart credits - Receive a $10 Instacart credit monthly for purchases made directly through Instacart with your IHG credit card.
$200 Airline Statement Credit - When you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27.
Up to $100 in annual Food and Beverage Rewards at IHG hotels - Enjoy a $75 Food and Beverage Reward voucher quarterly to redeem at IHG Hotels.
Up to $50 United® Airlines TravelBank Cash each year - After registering your IHG One Rewards Premier Select Credit Card with your MileagePlus® account.
Each year, after your card anniversary, you'll receive an Anniversary Free Night with a redemption cap of 60,000 points good for a night at one of our eligible IHG® Hotels & Resorts worldwide. You can use points from your IHG One Rewards account to redeem your Anniversary Night above the 50,000 point redemption level.
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Complimentary DashPass ($120 Value) - Get one-year complimentary DashPass by DoorDash, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
Starting in 2027, each calendar year that you spend $25,000 on purchases you qualify for Diamond Elite Status.
Earn 2 Elite Night Credits (ENC) for every $5,000 spent on purchases with your IHG One Rewards Premier Select card.
Earn an additional 5 Elite Night Credits (ENC) after you spend $15,000 on purchases each calendar year. These 5 ENC are in addition to the 2 ENC you receive for every $5K you spend on your card.
Get 20 Elite Night Credits (ENC) on your account opening and at the start of each calendar year, providing a head start towards a Milestone Reward and your next status tier.
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a IHG One Rewards Premier Select cardmember, and as long as your IHG One Rewards membership remains in good standing.
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.
Save 30% when you purchase points with your IHG One Rewards Premier Select credit card.
You can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
These come from Mastercard, not from Chase. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
A smooth departure starts with Fast Track access. Use your World Elite Mastercard to purchase* discounted access to a dedicated security lane for you and your guests at select airports in 30+ countries outside the U.S. Enjoy this benefit as part of The Mastercard Collection.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Enhance travel with cash back rewards when traveling internationally and shopping from your home.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Chef-curated menus, signature drinks, and a space designed for travelers. Taste by Priceless is a dining club that reimagines culinary experiences at the airport — now open at Hong Kong International Airport. Use your World Mastercard to purchase access for yourself and your guests, as a benefit of The Mastercard Collection.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| IHG One Rewards Premier Select Credit CardThis card · 6x on dining | $350 | $312 | −$38 | 1118th of 1,284 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.