Aeroplan® Credit Card vs IHG One Rewards Premier Credit Card

This comparison aims to assist users in deciding between the Aeroplan® Credit Card and the IHG One Rewards Premier Credit Card. Both cards offer unique benefits tailored to different types of travelers and spending habits.

Aeroplan® Credit Card Overview

The Aeroplan® Credit Card is designed for frequent travelers looking to earn rewards for flights and travel-related purchases. With a focus on earning Aeroplan points, cardholders can redeem rewards for both international and domestic flights, making it an excellent choice for those who enjoy exploring new destinations.

IHG One Rewards Premier Credit Card Overview

The IHG One Rewards Premier Credit Card is tailored for travelers who frequently stay at IHG Hotels & Resorts. This card offers significant rewards for hotel stays, travel expenses, and dining. It also provides valuable perks like free nights and elite status, making it a solid option for loyal IHG guests.

Detailed Feature Comparison

Rewards Highlights

Aeroplan® Credit Card Rewards

• Earn up to 70,000 bonus points.
• Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full.
• Redeem points for both international and domestic flights.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
• Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.

IHG One Rewards Premier Credit Card Rewards

• Earn 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn an additional 10,000 bonus points after your annual fee renewal payment posts and is paid in full.
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts.
• Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
• Earn 3 points per $1 spent on all other purchases.

Pros and Cons

Aeroplan® Credit Card

• Pros:
  • Flexible points redemption for flights.
  • Good bonus points structure for everyday spending.
  • No foreign transaction fee.
• Cons:
  • Annual fee applies.
  • Limited to Aeroplan rewards and partners.

IHG One Rewards Premier Credit Card

• Pros:
  • High welcome bonus and additional perks.
  • Automatic Platinum Elite status.
  • This card offers rewards for various spending categories.
• Cons:
  • Higher annual fee compared to Aeroplan® Credit Card.
  • Benefits are mainly geared towards IHG stays.

Who Should Consider Which Card?

The Aeroplan® Credit Card is ideal for travelers who frequently fly and want to accumulate points for flights, particularly with Air Canada and its partners. It's also beneficial for those who spend heavily on groceries and dining.

The IHG One Rewards Premier Credit Card is best suited for those who often stay at IHG hotels and seek to maximize hotel rewards and benefits, such as free nights and elite status.

Conclusion

When deciding between the Aeroplan® Credit Card and the IHG One Rewards Premier Credit Card, consider your individual spending habits and travel preferences. Each card offers unique advantages that cater to different types of travelers, so choose the one that aligns best with your lifestyle and travel goals.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”