Comparison of IHG One Rewards Premier Credit Card vs IHG One Rewards Traveler Credit Card

This comparison aims to help you decide between the IHG One Rewards Premier Credit Card and the IHG One Rewards Traveler Credit Card from Chase. Both cards offer valuable rewards for IHG hotel stays, but they cater to different types of users based on their spending habits and travel preferences.

Card Overviews

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card is designed for frequent travelers who want to maximize their rewards on IHG hotel stays. With a moderate annual fee, this card offers a robust rewards structure and additional benefits such as automatic elite status and travel credits.

IHG One Rewards Traveler Credit Card

The IHG One Rewards Traveler Credit Card is a no-annual-fee option that appeals to occasional travelers or those looking for a simple rewards program. This card provides essential benefits without the commitment of an annual fee, making it accessible for a wider audience.

Detailed Feature Comparison

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.

IHG One Rewards Traveler Credit Card

• Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts.
• Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants.
• Earn 2 points per $1 spent on all other purchases.

Pros and Cons

IHG One Rewards Premier Credit Card

• Pros:
  • High welcome bonus
  • Automatic Platinum Elite status
  • Anniversary free night benefit
  • Travel perks like Global Entry credit
• Cons:
  • Annual fee of $99
  • Higher spending requirement for bonus points

IHG One Rewards Traveler Credit Card

• Pros:
  • No annual fee
  • Lower spending requirement for bonus points
  • Flexible point earning structure
• Cons:
  • Lower welcome bonus
  • Fewer points earned per dollar spent at hotels

Who Should Consider Which Card?

The IHG One Rewards Premier Credit Card is ideal for frequent travelers who often stay at IHG properties and want to maximize their rewards and benefits. Its high welcome bonus and travel perks cater to those who can justify the annual fee through substantial travel spending.

The IHG One Rewards Traveler Credit Card is perfect for occasional travelers or budget-conscious users who want to earn rewards without the burden of an annual fee. It’s suitable for those who prefer a simpler rewards structure and do not travel frequently.

Conclusion

When deciding between the IHG One Rewards Premier Credit Card and the IHG One Rewards Traveler Credit Card, consider your individual needs, spending patterns, and travel frequency. Each card offers unique benefits tailored to different types of users, so choose the one that aligns best with your financial goals and lifestyle.

“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.”