Chase Sapphire Preferred® Card vs IHG One Rewards Premier Credit Card

This comparison aims to assist users in determining which credit card best aligns with their spending habits and financial goals by evaluating the key features of the Chase Sapphire Preferred® Card and the IHG One Rewards Premier Credit Card.

Card Overviews

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is designed for travelers and dining enthusiasts who seek to earn valuable rewards. With a robust points system and benefits for travel-related purchases, this card offers flexibility and value for those who frequently engage with travel and dining experiences.

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card is tailored for loyal IHG customers and those who frequently stay at IHG Hotels & Resorts. With a focus on hotel rewards and additional perks for travelers, this card is ideal for individuals who prefer to earn points for hotel stays and related expenses.

Detailed Feature Comparison

Rewards Highlights

• 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

Chase Sapphire Preferred® Card

• Pros:
  • High rewards on travel and dining
  • Valuable redemption options through Chase Travel
  • No foreign transaction fees
  • Comprehensive travel insurance benefits
• Cons:
  • Higher annual fee compared to some other cards
  • Requires higher spending for welcome bonus

IHG One Rewards Premier Credit Card

• Pros:
  • Generous welcome bonus
  • Anniversary free night benefit
  • Automatic Platinum Elite status for cardmembers
  • High rewards on IHG stays
• Cons:
  • Limited to IHG properties for maximum rewards
  • Annual fee is slightly higher than some competitors

Who Should Consider Which Card?

The Chase Sapphire Preferred® Card is ideal for travelers and foodies who frequently dine out or travel and value flexible rewards that can be used for various travel experiences. On the other hand, the IHG One Rewards Premier Credit Card is best for individuals who are loyal to IHG Hotels & Resorts and want to maximize their rewards through hotel stays and related expenses.

Conclusion

Ultimately, the choice between the Chase Sapphire Preferred® Card and the IHG One Rewards Premier Credit Card should be based on individual spending habits and travel preferences. Consider your lifestyle, travel frequency, and the types of rewards that matter most to you when making your decision.

“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.”