IHG One Rewards Premier Credit Card vs. Chase Sapphire Preferred
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
IHG One Rewards Premier Credit Card
Chase
Chase Sapphire Preferred
Chase
IHG One Rewards Premier Credit Card and Chase Sapphire Preferred split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
IHG One Rewards Premier Credit Card wins on earning ceiling; Chase Sapphire Preferred wins on annual fee.
Pick the IHG One Rewards Premier Credit Card if year-one math is your priority; take the Chase Sapphire Preferred if you want a cheaper card to keep long-term.
Who wins what
1 vs 1 (1 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Chase Sapphire Preferred
Chase Sapphire Preferred is $4 cheaper to keep.
- Earning ceiling IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card earns more on its best category (10× vs 5×).
By the numbers
- Annual fee
- $99
- $95
- Welcome offer (typical value)
- $1,295
- $1,275
- First-year net
- +$1,196
- +$1,180
- Peak earning rate
- 10×
- 5×
- Top categories
- Hotels Resorts, Dining, Gas
- Chase Travel Portal, Dining, Travel
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- IHG One Rewards
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.