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Blue Cash Everyday® Card from American Express vs IHG One Rewards Premier Credit Card
This comparison aims to help users decide between the Blue Cash Everyday® Card from American Express and the IHG One Rewards Premier Credit Card. Both cards offer unique features and benefits tailored to different spending habits and preferences.
Card Overviews
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card is designed for consumers who prefer cash back rewards without the burden of an annual fee. It offers great earning potential in everyday categories like supermarkets, gas stations, and online retail, making it a suitable choice for families and frequent shoppers.
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is tailored for travelers, particularly those loyal to IHG Hotels & Resorts. With a focus on earning points for hotel stays, this card offers significant rewards for travel-related expenses and includes perks like an annual free night and automatic elite status.
Detailed Feature Comparison
| Feature | Blue Cash Everyday® Card from American Express | IHG One Rewards Premier Credit Card |
|---|---|---|
| Annual Fee | $0 | $99 |
| Welcome Bonus | $200 statement credit after spending $2,000 in the first 6 months | Earn 140,000 Bonus Points after spending $3,000 in the first 3 months |
| Rewards Structure | 3% Cash Back at U.S. supermarkets, U.S. online retail, and U.S. gas stations on up to $6,000 per year, then 1% on other purchases | Earn up to 26 total points per $1 spent at IHG Hotels; 5 points on travel, gas, and restaurants; 3 points on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Cash advance fee applies | Cash advance fees apply |
| Additional Benefits | Cash back in the form of Reward Dollars redeemable as statement credit or at Amazon.com checkout | Automatic Platinum Elite status, Global Entry/TSA PreCheck reimbursement |
Rewards Highlights
IHG One Rewards Premier Credit Card
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- 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.
Blue Cash Everyday® Card from American Express
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- 1% Cash Back on other purchases.
Pros and Cons
Blue Cash Everyday® Card from American Express
- Pros:
- No annual fee
- High cash back rates in everyday categories
- Flexible cash back redemption options
- Cons:
- Lower cash back on purchases outside of bonus categories
- Limited bonus categories
IHG One Rewards Premier Credit Card
- Pros:
- Generous welcome bonus
- Automatic elite status with IHG
- Annual free night at IHG Hotels & Resorts
- Cons:
- Annual fee applies
- Best benefits are for those who frequently stay at IHG properties
Who Should Consider Which Card?
The Blue Cash Everyday® Card from American Express is ideal for families or individuals who spend heavily in grocery stores, gas stations, and online shopping. Its no annual fee and straightforward cash back structure make it a great everyday card.
The IHG One Rewards Premier Credit Card is best suited for travelers who frequently stay at IHG hotels and want to maximize their rewards through hotel stays and travel-related purchases. The additional benefits like the annual free night and elite status enhance its value for loyal IHG customers.
Conclusion
When choosing between the Blue Cash Everyday® Card from American Express and the IHG One Rewards Premier Credit Card, consider your spending habits and financial goals. Whether you prioritize cash back on everyday purchases or rewards for travel and hotel stays will guide you to the card that best fits your lifestyle.