Capital One Venture Rewards Credit Card vs IHG One Rewards Premier Card: Which Card Wins for Your Spending?

Choosing between the Capital One Venture Rewards Credit Card ($95/yr) and the IHG One Rewards Premier Card ($99/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.

Meet the Contenders

Capital One Venture Rewards Credit Card

Strongest in travel at 5% via portal. 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. Earns a solid 2.0% on everything else.

Annual fee: $95 Sign-up bonus: 75,000 miles after $4,000 spend in 3 months Foreign fees: 0%

Perfect if: You're comfortable booking through the issuer's portal for the best rate.

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IHG One Rewards Premier Card

Strongest in travel at 5%. Up to 26x at IHG hotels, 5x on travel, gas, and dining. Earns a solid 3.0% on everything else.

Annual fee: $99 Sign-up bonus: 175,000 points after $5,000 spend in 3 months Foreign fees: 0%

Perfect if: You want a strong rewards rate with no spending caps to worry about.

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Head-to-Head Comparison

Feature Capital One Venture Rewards Credit Card IHG One Rewards Premier Card
Annual Fee $95 $99
Sign-Up Bonus 75,000 miles after $4,000 spend in 3 months 175,000 points after $5,000 spend in 3 months
Foreign Transaction Fee 0% 0%
Base Reward Rate 2.0% <strong>3.0%</strong>
Travel Rewards 5% 5%
Dining Rewards 2% <strong>5%</strong>
Gas Rewards 2% <strong>5%</strong>
Key Benefits 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. Up to 26x at IHG hotels, 5x on travel, gas, and dining.

The Verdict

IHG One Rewards Premier Card wins on dining, groceries, gas.

Not sure which fits your life? Enter your spending below and we’ll do the math.

See Which Card Wins for YOU

Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.