IHG One Rewards Premier vs IHG One Rewards Premier Select

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Economics

Dollar figures are per year unless the row says otherwise. Ongoing annual value is Miles' estimate of what the card adds per year after its annual fee: statement credits discounted for realistic use, benefits, and earning above a strong flat-rate card on a typical spending profile. First-year value is a separate net figure that includes the welcome bonus. A welcome bonus shown at its advertised maximum may not be available to every applicant; that figure is not marked as stronger. ★ marks the stronger comparable figure on other rows, and no row is marked when either figure is unknown.
Figure	IHG One Rewards Premier Chase	IHG One Rewards Premier Select Chase
Annual fee	Best: $150 $200/yr less	$350
Ongoing annual value, after fee	Best: $687 $91/yr more	$596
First-year value	Best: $1,242 $27/yr more	$1,215
Authorized user fee	—Unknown	—Unknown

Sign-up Bonus

The current welcome offer as recorded in the dataset. No winner is marked: a bonus is points times a valuation times a spend requirement you may or may not clear, and the first-year value above already prices it.
Offer	IHG One Rewards Premier Chase	IHG One Rewards Premier Select Chase
Current offer	180K bonus points after spending $3K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening (Offer Expires 11/18/2026)	Earn 200K bonus points after spending $5K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening (Offer Expires 11/18/2026).

Earning

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. ★ marks the higher return on a row. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Category	IHG One Rewards Premier Chase	IHG One Rewards Premier Select Chase
Travel, including rideshares (excluding IHG)	—Unknown	Best: 6X3.5%
Car rentals	Best: 5X2.9%	—Unknown
Flights booked directly	Best: 5X2.9%	—Unknown
Gas Stations	Best: 5X2.9%	—Unknown
Grocery stores	Best: 5X2.9%	—Unknown
Travel	Best: 5X2.9%	—Unknown
IHG purchases	10X5.9%	Best: 12X7.1%
Dining	5X2.9%	Best: 6X3.5%

Benefits

Statement credits, lounge access and elite status as listed in the dataset; protections are counted, not listed. No winner is marked: twelve small credits are not more than two large ones, and the row that prices them, ongoing annual value, is under Economics.
Benefit	IHG One Rewards Premier Chase	IHG One Rewards Premier Select Chase
Statement credits	IHG Food & Beverage Credit: $25 (Quarterly) Airline Flight Purchase: $100 (Annual Calendar Year) United TravelBank Cash: $25 (Semi Annual Calendar Year) Global Entry/TSA PreCheck: $120 (Every 4 Years) DoorDash Grocery/Retail, monthly: $10 (Monthly) Instacart: $10 (Monthly)	IHG Food & Beverage Credit: $75 (Quarterly) Airline Credit: $200 (Annual Calendar Year) United TravelBank Cash: $25 (Semi Annual Calendar Year) Global Entry/TSA PreCheck/NEXUS: $120 (Every 4 Years) DoorDash Grocery/Retail, monthly: $10 (Monthly) Instacart: $10 (Monthly)
Lounge access	—Unknown	—Unknown
Elite status	IHG One Rewards Gold IHG One Rewards Platinum IHG One Rewards Diamond IHG One Rewards IHG One Rewards IHG One Rewards	IHG One Rewards Platinum IHG One Rewards Diamond IHG One Rewards IHG One Rewards IHG One Rewards
Protections	7	0

The same on both cards (6)

Rows where both cards state the same figure or the same earning rate. Nothing is marked, because there is no stronger side.
Fact	IHG One Rewards Premier	IHG One Rewards Premier Select
Foreign transaction fee	None	None
Issuer	Chase	Chase
Rewards currency	IHG One Rewards	IHG One Rewards
Card type	Personal	Personal
Network	Mastercard	Mastercard
All other purchases	3X1.8%	3X1.8%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get