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British Airways Visa Signature® Card vs IHG One Rewards Premier Credit Card
This comparison aims to help you decide between the British Airways Visa Signature® Card and the IHG One Rewards Premier Credit Card. Both cards offer unique benefits tailored to different travel preferences and spending habits.
Card Overviews
British Airways Visa Signature® Card
The British Airways Visa Signature® Card is designed for frequent travelers who prefer flying with British Airways and its partners. The card rewards users with Avios points, which can be redeemed for flights and upgrades, along with various travel perks.
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card caters to those who frequently stay at IHG properties such as Holiday Inn and InterContinental. With a strong rewards structure for hotel stays and additional benefits, this card is ideal for travelers who prioritize hotel loyalty over airline rewards.
Detailed Feature Comparison
| Feature | British Airways Visa Signature® Card | IHG One Rewards Premier Credit Card |
|---|---|---|
| Annual Fee | $95 | $99 |
| Welcome Bonus | 85,000 Avios after $5,000 spent in 3 months | 140,000 Bonus Points after $3,000 spent in 3 months |
| Rewards Structure | 3 Avios per $1 on British Airways purchases 2 Avios per $1 on hotel stays 1 Avios on all other purchases |
Up to 26 points per $1 at IHG Hotels 5 points per $1 on travel, gas, and restaurants 3 points on all other purchases |
| Foreign Transaction Fee | No | No |
| Other Fees | None listed | None listed |
| Additional Benefits | 10% off British Airways flights Travel Together Ticket after $30,000 spent |
Anniversary Free Night Automatic Platinum Elite status |
Rewards Highlights
British Airways Visa Signature® Card Rewards
- Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
IHG One Rewards Premier Credit Card Rewards
- 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
British Airways Visa Signature® Card Pros
- High value for travelers who frequently fly British Airways.
- Generous welcome bonus in Avios points.
- Benefits such as Travel Together Ticket enhance travel experiences.
- No foreign transaction fees.
British Airways Visa Signature® Card Cons
- Annual fee is still relatively high compared to some other cards.
- Rewards are more beneficial for those who fly with British Airways.
IHG One Rewards Premier Credit Card Pros
- Strong rewards structure for hotel stays, especially at IHG properties.
- High welcome bonus in points.
- Includes an Anniversary Free Night benefit.
- Automatic Platinum Elite status offers additional perks.
IHG One Rewards Premier Credit Card Cons
- Annual fee slightly higher than British Airways card.
- Rewards are primarily beneficial for IHG hotel loyalists.
Who Should Consider Which Card?
- The British Airways Visa Signature® Card is ideal for users who frequently fly with British Airways or its partners, value airline rewards, and enjoy the perks of flying.
- The IHG One Rewards Premier Credit Card is best suited for travelers who frequently stay at IHG hotels and want to maximize their hotel rewards and benefits.
Conclusion
Both the British Airways Visa Signature® Card and the IHG One Rewards Premier Credit Card offer compelling benefits tailored to different travel preferences. Consider your individual needs and spending patterns to choose the card that aligns best with your travel goals.