IHG One Rewards Premier Credit Card vs. Chase Sapphire Reserve
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 Reserve
Chase
IHG One Rewards Premier Credit Card and Chase Sapphire Reserve 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 annual fee and earning ceiling; Chase Sapphire Reserve wins on first-year math and lounge access.
Pick the Chase Sapphire Reserve if year-one math is your priority; take the IHG One Rewards Premier Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Chase Sapphire Reserve
Chase Sapphire Reserve wins on bonus value minus annual fee.
- Annual fee IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card is $696 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 8×).
- Lounge access Chase Sapphire Reserve
Chase Sapphire Reserve includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $99
- $795
- Welcome offer (typical value)
- $1,295
- $2,550
- First-year net
- +$1,196
- +$1,755
- Peak earning rate
- 10×
- 8×
- Top categories
- Hotels Resorts, Dining, Gas
- Chase Travel, Flights Direct, Hotels Direct
- Lounge access
- No
- chase-sapphire-lounge, priority-pass
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- 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.