IHG One Rewards Premier Credit Card vs United Club℠ Infinite Card

This comparison aims to help you decide between the IHG One Rewards Premier Credit Card and the United Club℠ Infinite Card. Both cards offer unique features and benefits tailored to different travel preferences, making it essential to evaluate which card aligns best with your spending habits and travel goals.

Card Overviews

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card is designed for frequent travelers who prefer staying at IHG Hotels & Resorts. With a relatively low annual fee and a generous rewards structure, it offers valuable benefits for those who often stay at brands like Holiday Inn, Crowne Plaza, and InterContinental.

United Club℠ Infinite Card

The United Club℠ Infinite Card is aimed at loyal United Airlines flyers. This premium card comes with a higher annual fee but offers exclusive travel perks, including access to United Club lounges and additional checked baggage allowances, making it suitable for those who prioritize air travel with United.

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.

United Club℠ Infinite Card

• Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
• 4x miles on United® purchases.
• 2x miles on all other travel and dining.
• 1x mile on all other purchases.

Pros and Cons

IHG One Rewards Premier Credit Card

• Pros:
• Low annual fee
• Generous welcome bonus
• Valuable hotel rewards
• Automatic Platinum Elite status
• Anniversary free night benefit

• Cons:
• Limited to IHG hotels for maximum rewards
• Fewer travel perks compared to airline co-branded cards

United Club℠ Infinite Card

• Pros:
• United Club membership provides lounge access
• Free checked bags save on travel costs
• High rewards on United purchases
• Generous welcome bonus

• Cons:
• High annual fee
• Best benefits primarily for United travelers

Who Should Consider Which Card?

The IHG One Rewards Premier Credit Card is ideal for travelers who frequently stay at IHG properties and want to maximize their hotel rewards and benefits. On the other hand, the United Club℠ Infinite Card is better suited for those who prioritize air travel with United Airlines and value lounge access and travel perks associated with flying.

Conclusion

Ultimately, choosing between the IHG One Rewards Premier Credit Card and the United Club℠ Infinite Card depends on your individual travel patterns, spending habits, and preferences. Consider what type of rewards and benefits you value most to make an informed 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.”