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IHG One Rewards Premier vs IHG One Rewards Traveler
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
Annual fee
$99
$0
$99/yr less
Ongoing annual value
$569
$260/yr more
$309
Net value (value − fee)
$470
$161/yr more
$309
First-year value estimate
$687
$253/yr more
$434
Authorized user fee
—
—
Sign-up Bonus
Current offer
140K bonus points after spending $3K in the first 3 months from account opening
80K bonus points after spending $2K in the first 3 months from account opening
Earning
IHG purchases
10X5.9%
5X2.9%
Travel
5X2.9%
—
Select streaming services
—
3X1.8%
Utilities
—
3X1.8%
Dining
5X2.9%
3X1.8%
Gas Stations
5X2.9%
3X1.8%
All other purchases
3X1.8%
2X1.2%
Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Benefits
- United TravelBank Cash: $25 (Semi Annual Calendar Year)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
- DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
- Instacart: $10 (Monthly)
- DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
- Instacart: $10 (Monthly)
- IHG One Rewards Platinum
- IHG One Rewards Diamond
- IHG One Rewards Silver
- IHG One Rewards Gold
Statement credits
Lounge access
—
—
Elite status
Protections
7
7
The same on both cards (5)
Foreign transaction fee
None
None
Issuer
Chase
Chase
Rewards currency
IHG One Rewards
IHG One Rewards
Card type
Personal
Personal
Network
Mastercard
Mastercard
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 getNo ads, no paid placement · Your wallet, your math