IHG One Rewards Premier Credit Card vs TD Double Up Credit Card
Annual fees: IHG One Rewards Premier Credit Card $150/yr, TD Double Up Credit Card $0/yr. Strongest bonus categories: IHG One Rewards Premier Credit Card on gas stations, TD Double Up Credit Card on everyday spending.
Card data as of November 13, 2026.
IHG One Rewards Premier Credit CardChase · $150/yr
- TD Double Up Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- IHG One Rewards Premier Credit Card$150TD Double Up Credit Card$0Lowest
- Welcome offerCurrent public offer
- IHG One Rewards Premier Credit CardUp to 190,000 pointsTD Double Up Credit Card$200 cash back
- Rewards
- IHG One Rewards Premier Credit CardIHG One RewardsTD Double Up Credit Card—
- Foreign transaction fee
- IHG One Rewards Premier Credit CardNoneLowestTD Double Up Credit Card3%
- Network
- IHG One Rewards Premier Credit CardMastercard World EliteTD Double Up Credit CardVisa Signature
Earn ratesPer $1 spent
- Car Rentals
- IHG One Rewards Premier Credit Card5xHighestTD Double Up Credit Card2x
- Dining
- IHG One Rewards Premier Credit Card5xHighestTD Double Up Credit Card2x
- Flights
- IHG One Rewards Premier Credit Card5xHighestTD Double Up Credit Card2x
- Gas Stations
- IHG One Rewards Premier Credit Card5xHighestTD Double Up Credit Card2x
- Grocery Stores
- IHG One Rewards Premier Credit Card5xHighestTD Double Up Credit Card2x
- Everything else
- IHG One Rewards Premier Credit Card3xHighestTD Double Up Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Travel
- 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
TD Double Up Credit Card— - Dining & delivery
- IHG One Rewards Premier Credit Card
- DoorDash DashPass
- $10/mo Instacart+
TD Double Up Credit Card—
Perks & access— means none on record
- Hotel status & programs
- IHG One Rewards Premier Credit Card
- Automatic IHG Gold Elite status
- Platinum Elite at $15K spend, Diamond at $40K
TD Double Up Credit Card- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- IHG One Rewards Premier Credit Card
- 30% reward points discount
TD Double Up Credit Card- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- IHG One Rewards Premier Credit Card
- Trip cancellation and interruption insurance · up to $5,000
TD Double Up Credit Card— - Baggage
- IHG One Rewards Premier Credit Card
- Lost Luggage Reimbursement · up to $3,000
- Baggage delay insurance · up to $100
TD Double Up Credit Card- Up to $3,000 lost luggage coverage per trip
- Purchase & returns
- IHG One Rewards Premier Credit Card
- Purchase protection for new items · up to $500
TD Double Up Credit Card- $500 per claim on theft or damage
- Extended warranty
- IHG One Rewards Premier Credit Card
- Extended warranty protection for eligible purchases · up to $1
TD Double Up Credit Card- Extended warranty on eligible purchases · up to $1
- Cell phone
- IHG One Rewards Premier Credit Card—TD Double Up Credit Card
- Up to $600 cell phone coverage per claim
- Other protections
- IHG One Rewards Premier Credit Card—TD Double Up Credit Card
- Zero liability for unauthorized charges
Pros & cons
- Pros
- 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
TD Double Up Credit Card- Unlimited 2% cash back on all purchases with no category restrictions
- No annual fee
- $200 welcome bonus
- 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- Cell phone protection included
- Cons
- 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
TD Double Up Credit Card- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- $1,500 spend requirement for welcome bonus (higher than TD Cash)
- 2,500 points ($25) minimum redemption threshold
- Regional bank with limited branch footprint
Category-by-Category Winner
The IHG One Rewards Premier Credit Card wins in 6 of 6 categories. The TD Double Up Credit Card leads in 0.
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 2X
Flights
IHG One Rewards Premier Credit Card earns 5X vs 2X
Car Rentals
IHG One Rewards Premier Credit Card earns 5X vs 2X
Grocery Stores
IHG One Rewards Premier Credit Card earns 5X vs 2X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 2X
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 2X
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 | IHG One Rewards Premier Credit Card | TD Double Up Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $274 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $284 Year one: $1,394 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | Close — depends on how much of the credits you use | IHG One Rewards Premier Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,094 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $1,104 Year one: $2,214 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | IHG One Rewards Premier Credit Card | IHG One Rewards Premier Credit Card |
Is the Fee Difference Worth It?
The IHG One Rewards Premier Credit Card costs $150/yr — that's $150 more than the TD Double Up Credit Card (no annual fee). To justify that gap, you need to extract at least $150 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 $150 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $150 fee gap means the IHG One Rewards Premier Credit Card needs roughly $150 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:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
- +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 2X on the other card.
Published annual fees: IHG One Rewards Premier Credit Card $150/yr, TD Double Up Credit Card $0/yr — a $150 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 $0/yr for the TD Double Up Credit Card. Compare the year-one vs ongoing value table on this page — the $150 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 IHG One Rewards Premier Credit Card or TD Double Up Credit Card?
- The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.
- What benefits does the IHG One Rewards Premier Credit Card have that the TD Double Up Credit Card doesn't?
- The IHG One Rewards Premier Credit Card offers travel credits. The TD Double Up Credit Card offers cell phone protection.
- Should I get the IHG One Rewards Premier Credit Card or the TD Double Up Credit Card?
- Use the spend scenarios on this page: the TD Double Up Credit Card has a lower $0/yr fee; the IHG One Rewards Premier Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
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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.