IHG One Rewards Premier Credit Card vs. Citi Double Cash Card
On the criteria below, IHG One Rewards Premier Credit Card wins 4 of 5. The verdict depends on which criteria matter to you.
IHG One Rewards Premier Credit Card
Chase
Citi Double Cash Card
Citi
IHG One Rewards Premier Credit Card wins 4 of 5 criteria here, making it the stronger all-rounder.
IHG One Rewards Premier Credit Card wins on first-year math, earning ceiling, travel insurance, and foreign transactions; Citi Double Cash Card wins on annual fee.
Pick the IHG One Rewards Premier Credit Card if year-one math is your priority; take the Citi Double Cash Card if you want a cheaper card to keep long-term.
Who wins what
4 vs 1- First-year math IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card wins on bonus value minus annual fee.
- Annual fee Citi Double Cash Card
Citi Double Cash Card is $99 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×).
- Travel insurance IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card carries built-in travel insurance.
- Foreign transactions IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $99
- Free
- Welcome offer (typical value)
- $1,295
- $200
- First-year net
- +$1,196
- +$200
- Peak earning rate
- 10×
- 5×
- Top categories
- Hotels Resorts, Dining, Gas
- Travel Portal
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- IHG One Rewards
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.