IHG One Rewards
Credits 3
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $240 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
$10 off one Instacart order of $10+ each month with the card; no rollover.
How to activate: Activate free Instacart+ with this card on Instacart's Chase page; the credit needs Instacart+ active.
Condition: Requires an active Instacart+ membership (3 months free, then $99/yr)
$10 off a non-restaurant DoorDash order each month for DashPass activations on or after 9/1/2026 (earlier activations get it quarterly). Includes 12 months of complimentary DashPass if activated by 12/31/2027.
How to activate: Add the card in the DoorDash app and activate the free DashPass; the discount needs DashPass active.
Condition: Requires DashPass activated with this card
Every year
10,000 bonus points plus Gold Elite status (rest of that year and the next) after $15,000 spend in a calendar year; ~$50 at about 0.5 cents per point.
Condition: After $15,000 in purchases in a calendar year
Perks 6
Benefits you use rather than credits that post to your statement.
Automatic Silver Elite status while the card is open.
4th night free on reward stays of 4+ consecutive nights paid with points. Starting 1/1/2027 it requires $5,000 spend in a calendar year, then applies for the rest of that year and the next.
5 ENCs at account opening and by Feb 1 each calendar year (new as of Oct 2026; no per-spend ENCs on this card).
Spending $15,000 in a calendar year earns Gold Elite for the rest of that year and the next (along with 10,000 bonus points); one IHG card per member.
One year of complimentary DashPass when activated with the card by 12/31/2027, then it renews at the monthly rate unless cancelled.
Three free months of Instacart+ when activated with the card by 12/31/2027, then it renews at $99 a year unless cancelled.
Also included
- No foreign transaction fees
- 30% off IHG point purchases
- Trip cancellation/interruption insurance
- Baggage delay and lost luggage insurance
- Purchase protection
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the IHG One Rewards to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.