Chase Sapphire Reserve vs IHG One Rewards Premier Credit Card
Annual fees: Chase Sapphire Reserve $795/yr, IHG One Rewards Premier Credit Card $150/yr. Strongest bonus categories: Chase Sapphire Reserve on travel, IHG One Rewards Premier Credit Card on gas stations.
Card data as of October 13, 2026.
Chase Sapphire ReserveChase · $795/yr
IHG One Rewards Premier Credit CardChase · $150/yr
Overview
- Annual fee
- Chase Sapphire Reserve$795IHG One Rewards Premier Credit Card$150Lowest
- Welcome offerCurrent public offer
- Chase Sapphire Reserve100,000 pointsIHG One Rewards Premier Credit CardUp to 190,000 points
- Rewards
- Chase Sapphire ReserveChase Ultimate RewardsIHG One Rewards Premier Credit CardIHG One Rewards
- Foreign transaction fee
- Chase Sapphire ReserveNoneIHG One Rewards Premier Credit CardNone
- Network
- Chase Sapphire ReserveVisa InfiniteIHG One Rewards Premier Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Car Rentals
- Chase Sapphire Reserve1xIHG One Rewards Premier Credit Card5xHighest
- Dining
- Chase Sapphire Reserve3xIHG One Rewards Premier Credit Card5xHighest
- Flights
- Chase Sapphire Reserve4xIHG One Rewards Premier Credit Card5xHighest
- Gas Stations
- Chase Sapphire Reserve1xIHG One Rewards Premier Credit Card5xHighest
- Grocery Stores
- Chase Sapphire Reserve1xIHG One Rewards Premier Credit Card5xHighest
- Hotels
- Chase Sapphire Reserve4xHighestIHG One Rewards Premier Credit Card3x
- Everything else
- Chase Sapphire Reserve1xIHG One Rewards Premier Credit Card3xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Sapphire Reserve
- $300 travel credit
- $500 hotel credit
- $250 select hotels · $250 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
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
- Rideshare & transit
- Chase Sapphire Reserve
- $10/mo Lyft credit · $10 monthly
IHG One Rewards Premier Credit Card— - Dining & delivery
- Chase Sapphire Reserve
- $300 dining at 275+ restaurants · $150 every 6 months
- $35/mo DoorDash + DashPass · $35 monthly
IHG One Rewards Premier Credit Card- DoorDash DashPass
- $10/mo Instacart+
- Entertainment & streaming
- Chase Sapphire Reserve
- $300 event tickets StubHub
- $27/mo Apple TV & Music · $27 monthly
IHG One Rewards Premier Credit Card— - Shopping & wellness
- Chase Sapphire Reserve
- $10/mo Peloton credits · $10 monthly
IHG One Rewards Premier Credit Card—
Perks & access— means none on record
- Lounges
- Chase Sapphire Reserve
- Air Canada Maple Leaf Lounge on Star Alliance (1 guest)
- 1,300+ Priority Pass lounges with 2 free guests
- 8 Chase Sapphire Lounges with 2 free guests
IHG One Rewards Premier Credit Card— - Hotel status & programs
- Chase Sapphire Reserve
- IHG Platinum Elite with 60% bonus points, no stays
IHG One Rewards Premier Credit Card- Automatic IHG Gold Elite status
- Platinum Elite at $15K spend, Diamond at $40K
- Other perks
- Chase Sapphire Reserve
- $750 in credits plus elite status at $75k spend
- Dedicated Customer Support with 24/7 priority service
- No foreign transaction fees on international purchases
- Roadside Assistance with $50 reimbursement per incident
- Sapphire Reserve Experiences and Venue Benefits
- Travel and Emergency Assistance Services 24/7
Show 1 more
- Reserve Travel Designer complimentary planning service
IHG One Rewards Premier Credit Card- 30% reward points discount
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Sapphire Reserve
- Emergency Evacuation up to $100,000 coverage
- Emergency Medical and Dental up to $2,500
- Travel Accident Insurance up to $1,000,000
- Trip cancellation insurance up to $10,000 per person
- Trip delay coverage up to $500 per ticket after 6 hours
IHG One Rewards Premier Credit Card- Trip cancellation and interruption insurance · up to $5,000
- Baggage
- Chase Sapphire Reserve
- Baggage insurance up to $3,000 for lost luggage
IHG One Rewards Premier Credit Card- Lost Luggage Reimbursement · up to $3,000
- Baggage delay insurance · up to $100
- Rental car
- Chase Sapphire Reserve
- Primary rental car insurance up to $75,000
IHG One Rewards Premier Credit Card— - Purchase & returns
- Chase Sapphire Reserve
- Purchase protection up to $10,000 per claim for 120 days
- Return protection up to $500 per item within 90 days
IHG One Rewards Premier Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- Chase Sapphire Reserve
- Extended warranty adds 1 year to manufacturer coverage
IHG One Rewards Premier Credit Card- Extended warranty protection for eligible purchases · up to $1
Pros & cons
- Pros
- Chase Sapphire Reserve
- Up to $2,060 in annual credits and promos can more than cover the $795 fee
- Priority Pass Select with 2 guests included
- Exclusive Chase Sapphire Lounge access
- Primary rental car coverage saves $15-30/day
- Points Boost values points at up to 2 cents each on select flights and hotels through Chase Travel
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 Reserve
- $795 annual fee is substantial commitment
- 5/24 rule restricts applicants with recent cards
- Credits require specific spending patterns to use
- $195 authorized user fee with no free users
- 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 6 of 7 categories. The Chase Sapphire Reserve leads in 1. 1 more category depend on booking channel or caps.
Travel
Depends: via Chase Travel portal
Chase Sapphire Reserve earns 8X when conditions are met; IHG One Rewards Premier Credit Card earns 3X (3X without restrictions)
Hotels
Chase Sapphire Reserve earns 4X vs 3X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 3X
Flights
IHG One Rewards Premier Credit Card earns 5X vs 4X
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 1X
Car Rentals
IHG One Rewards Premier Credit Card earns 5X vs 1X
Grocery Stores
IHG One Rewards Premier Credit Card earns 5X vs 1X
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.
Close — depends on how much of the credits you use
| Scenario | Chase Sapphire Reserve | IHG One Rewards Premier Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $281 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $481 Year one: $2,406 | 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 Reserve |
| Heavy spender: $4,000/month | Rewards: $1,123 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $1,323 Year one: $3,248 | Rewards: $1,094 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $1,104 Year one: $2,214 | Close — depends on how much of the credits you use | Chase Sapphire Reserve |
Is the Fee Difference Worth It?
The Chase Sapphire Reserve costs $795/yr — that's $645 more than the IHG One Rewards Premier Credit Card ($150/yr). To justify that gap, you need to extract at least $645 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve includes travel credits, dining credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $645 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $645 fee gap means the Chase Sapphire Reserve needs roughly $645 more in annual rewards (or credits you will use) to break even on travel and hotels and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing IHG One Rewards Premier Credit Card means losing:
- -Airport lounge access
Which Card Is Right for You?
Get the Chase Sapphire Reserve if you:
- +Fly frequently and value airport lounge access
Get the IHG One Rewards Premier Credit Card if you:
- +Do most of your spending at grocery stores
- +Prefer a high flat rate across all spending
The Bottom Line
Close — depends on how much of the credits you use
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 Reserve $795/yr, IHG One Rewards Premier Credit Card $150/yr — a $645 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Reserve worth the higher annual fee?
- The Chase Sapphire Reserve costs $795/yr vs $150/yr for the IHG One Rewards Premier Credit Card. Compare the year-one vs ongoing value table on this page — the $645 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Chase Sapphire Reserve also lists lounge access, travel credits, dining credits).
- Which card earns more rewards, the Chase Sapphire Reserve 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 Reserve have that the IHG One Rewards Premier Credit Card doesn't?
- The Chase Sapphire Reserve offers lounge access, travel credits, dining credits. The IHG One Rewards Premier Credit Card offers travel credits.
- Should I get the Chase Sapphire Reserve or the IHG One Rewards Premier Credit Card?
- Use the spend scenarios on this page: the IHG One Rewards Premier Credit Card has a lower $150/yr fee; the Chase Sapphire Reserve must earn enough extra (or offer a larger welcome bonus) to justify $795/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.