Choosing between the Chase Sapphire Preferred 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.
Strongest in travel at 5% via portal. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply NowStrongest in travel at 5%. Up to 26x at IHG hotels, 5x on travel, gas, and dining. Earns a solid 3.0% on everything else.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Chase Sapphire Preferred Card | IHG One Rewards Premier Card |
|---|---|---|
| Annual Fee | $95 | $99 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | 175,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | <strong>3.0%</strong> |
| Travel Rewards | 5% | 5% |
| Dining Rewards | 3% | <strong>5%</strong> |
| Groceries Rewards | 3% | 3% |
| Gas Rewards | 1% | <strong>5%</strong> |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | Up to 26x at IHG hotels, 5x on travel, gas, and dining. |
IHG One Rewards Premier Card wins on dining, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.