Blue Cash Preferred® Card from American Express vs IHG One Rewards Premier Credit Card

This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the IHG One Rewards Premier Credit Card. Both cards offer unique benefits tailored to different spending habits and preferences.

Card Overviews

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at U.S. supermarkets and utilize streaming services. With a robust cash back rewards structure, this card is ideal for families and consumers looking to maximize their everyday spending.

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card is targeted towards frequent travelers and IHG hotel guests. It offers a generous rewards program for hotel stays and travel-related expenses, making it a great option for those who prioritize hotel loyalty and travel perks.

Detailed Feature Comparison

Rewards Highlights

Blue Cash Preferred® Card from American Express

• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
• 3% Cash Back at U.S. gas stations.
• 1% Cash Back on other purchases.

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.

Pros and Cons

Blue Cash Preferred® Card from American Express

• Pros:
• High cash back rates on everyday categories.
• Attractive welcome bonus.
• No foreign transaction fees.
• Flexible redemption options for cash back.
• Cons:
• Annual fee applies after the first year.
• Lower rewards on purchases outside of bonus categories.

IHG One Rewards Premier Credit Card

• Pros:
• Generous welcome bonus and rewards for hotel stays.
• Automatic Platinum Elite status enhances travel experience.
• Free night benefit adds significant value.
• No foreign transaction fees.
• Cons:
• Annual fee of $99 applies.
• Rewards are primarily beneficial for IHG hotel stays.

Who Should Consider Which Card?

• The Blue Cash Preferred® Card from American Express is ideal for families or individuals who spend heavily on groceries and streaming services and prefer cash back rewards.
• The IHG One Rewards Premier Credit Card is best suited for frequent travelers who stay at IHG hotels and can take advantage of the points and travel benefits it offers.

Conclusion

When choosing between the Blue Cash Preferred® Card from American Express and the IHG One Rewards Premier Credit Card, it's essential to consider your individual spending patterns and financial goals. Evaluate where you spend the most and which benefits align with your lifestyle to make the best choice for your needs.

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“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.”