Chase Sapphire Preferred Card vs IHG One Rewards Premier Credit Card
Annual fees: Chase Sapphire Preferred Card $95/yr, IHG One Rewards Premier Credit Card $150/yr. Strongest bonus categories: Chase Sapphire Preferred Card on travel, IHG One Rewards Premier Credit Card on gas stations.
Card data as of November 13, 2026.
Chase Sapphire Preferred CardChase · $95/yr
IHG One Rewards Premier Credit CardChase · $150/yr
Overview
- Annual fee
- Chase Sapphire Preferred Card$95LowestIHG One Rewards Premier Credit Card$150
- Welcome offerCurrent public offer
- Chase Sapphire Preferred Card75,000 pointsIHG One Rewards Premier Credit CardUp to 190,000 points
- Rewards
- Chase Sapphire Preferred CardChase Ultimate RewardsIHG One Rewards Premier Credit CardIHG One Rewards
- Foreign transaction fee
- Chase Sapphire Preferred CardNoneIHG One Rewards Premier Credit CardNone
- Network
- Chase Sapphire Preferred CardVisa SignatureIHG One Rewards Premier Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Car Rentals
- Chase Sapphire Preferred Card1xIHG One Rewards Premier Credit Card5xHighest
- Dining
- Chase Sapphire Preferred Card3xIHG One Rewards Premier Credit Card5xHighest
- Flights
- Chase Sapphire Preferred Card1xIHG One Rewards Premier Credit Card5xHighest
- Gas Stations
- Chase Sapphire Preferred Card3xIHG One Rewards Premier Credit Card5xHighest
- Grocery Stores
- Chase Sapphire Preferred Card3xIHG One Rewards Premier Credit Card5xHighest
- Electric Vehicle Charging
- Chase Sapphire Preferred Card3xIHG One Rewards Premier Credit Card3x
- Streaming
- Chase Sapphire Preferred Card3xIHG One Rewards Premier Credit Card3x
- Travel
- Chase Sapphire Preferred Card2xIHG One Rewards Premier Credit Card3xHighest
- Vacation Rentals
- Chase Sapphire Preferred Card3xIHG One Rewards Premier Credit Card3x
- Everything else
- Chase Sapphire Preferred Card1xIHG One Rewards Premier Credit Card3xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
IHG One Rewards Premier Credit Card- $120 Global Entry/TSA PreCheck · $120 every 4 years
- $100 airline statement credit
- $100/yr IHG food & beverage · $25 quarterly
- $50/yr United TravelBank · $25 every 6 months
- Dining & delivery
- Chase Sapphire Preferred Card—IHG One Rewards Premier Credit Card
- DoorDash DashPass
- $10/mo Instacart+
- Entertainment & streaming
- Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
IHG One Rewards Premier Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Chase Sapphire Preferred Card—IHG One Rewards Premier Credit Card
- Automatic IHG Gold Elite status
- Platinum Elite at $15K spend, Diamond at $40K
- Other perks
- Chase Sapphire Preferred Card
- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
IHG One Rewards Premier Credit Card- 30% reward points discount
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
IHG One Rewards Premier Credit Card- Trip cancellation and interruption insurance · up to $5,000
- Baggage
- Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
IHG One Rewards Premier Credit Card- Lost Luggage Reimbursement · up to $3,000
- Baggage delay insurance · up to $100
- Rental car
- Chase Sapphire Preferred Card
- Auto Rental Coverage
IHG One Rewards Premier Credit Card— - Purchase & returns
- Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
IHG One Rewards Premier Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
IHG One Rewards Premier Credit Card- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Chase Sapphire Preferred Card
- Travel and Emergency Assistance Services
IHG One Rewards Premier Credit Card—
Pros & cons
- Pros
- Chase Sapphire Preferred Card
- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
IHG One Rewards Premier Credit Card- $150 annual fee is offset by the Anniversary Free Night (up to 50,000 points) and the annual credits
- 10X points at IHG properties; 5X on directly booked flights, car rentals, dining, grocery and gas
- Automatic Gold Elite status; Platinum Elite after $15K annual spend
- Fourth night free on award stays effectively gives 25% discount
- Up to $100 in IHG food and beverage credits and a $100 airline statement credit each year
- Cons
- Chase Sapphire Preferred Card
- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
IHG One Rewards Premier Credit Card- Free night capped at 50,000 points excludes top-tier properties
- IHG points valued around 0.5 cents per point - lower than competitors
- No airport lounge access included
- $50 United TravelBank credit requires separate registration
- Diamond Elite through spend requires hefty $40K annual threshold
Category-by-Category Winner
The IHG One Rewards Premier Credit Card wins in 4 of 4 categories. The Chase Sapphire Preferred Card leads in 0. 2 more categories depend on booking channel or caps.
Travel
Depends: via Chase Travel portal
Chase Sapphire Preferred Card earns 5X when conditions are met; IHG One Rewards Premier Credit Card earns 3X (3X without restrictions)
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; IHG One Rewards Premier Credit Card earns 3X (3X without restrictions)
Dining
IHG One Rewards Premier Credit Card earns 5X vs 3X
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 3X
Grocery Stores
IHG One Rewards Premier Credit Card earns 5X vs 3X
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Chase Sapphire Preferred Card | IHG One Rewards Premier Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Rewards: $274 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $284 Year one: $1,394 | Close — depends on how much of the credits you use | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Rewards: $1,094 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $1,104 Year one: $2,214 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
The IHG One Rewards Premier Credit Card costs $150/yr — that's $55 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $55 in annual value from the card's higher earn rates and benefits.
The IHG One Rewards Premier Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $55 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $55 fee gap means the IHG One Rewards Premier Credit Card needs roughly $55 more in annual rewards (or credits you will use) to break even on gas stations and flights and everyday spend.
Which Card Is Right for You?
Get the IHG One Rewards Premier Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 3X on the IHG One Rewards Premier Credit Card vs 1X on the other card.
Published annual fees: Chase Sapphire Preferred Card $95/yr, IHG One Rewards Premier Credit Card $150/yr — a $55 difference before welcome offers and credits.
Frequently Asked Questions
- Is the IHG One Rewards Premier Credit Card worth the higher annual fee?
- The IHG One Rewards Premier Credit Card costs $150/yr vs $95/yr for the Chase Sapphire Preferred Card. Compare the year-one vs ongoing value table on this page — the $55 gap must be offset by higher earn rates, welcome offers, or credits you will use (the IHG One Rewards Premier Credit Card also lists travel credits).
- Which card earns more rewards, the Chase Sapphire Preferred Card or IHG One Rewards Premier Credit Card?
- The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Chase Sapphire Preferred Card have that the IHG One Rewards Premier Credit Card doesn't?
- The Chase Sapphire Preferred Card focuses on earn rates, while the IHG One Rewards Premier Credit Card offers travel credits.
- Should I get the Chase Sapphire Preferred Card or the IHG One Rewards Premier Credit Card?
- Use the spend scenarios on this page: the Chase Sapphire Preferred Card has a lower $95/yr fee; the IHG One Rewards Premier Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.