Card ranking

The best credit cards for IHG stays.

Top US credit cards ranked by effective return on IHG One Rewards stays — multiplier × point value. Cards earning a baseline 1% return (or less) are excluded as uninteresting.

Top 30Updated Jun 5, 2026

1
Chase Sapphire Reserve
Chase · $795/yr · Chase Ultimate Rewards
Via Chase Travel portal · forfeits hotel loyalty points & elite status
Requires booking via issuer travel portal
Effective
20.00%
10x · 2.00¢/pt
Should I get this? Issuer page
2
IHG One Rewards Premier Credit Card
Chase · $99/yr · IHG One Rewards
Effective
13.00%
26x · 0.50¢/pt
Should I get this? Issuer page
3
Chase Sapphire Preferred
Chase · $95/yr · Chase Ultimate Rewards
Via Chase Travel portal · forfeits hotel loyalty points & elite status
Requires booking via issuer travel portal
Effective
10.00%
5x · 2.00¢/pt
Should I get this? Issuer page
4
The Platinum Card from American Express
American Express · $895/yr · Amex Membership Rewards
Via Amex Travel portal · forfeits hotel loyalty points
Requires booking via issuer travel portal
Effective
10.00%
5x · 2.00¢/pt
Should I get this? Issuer page
5
The Business Platinum Card from American Express
American Express · $895/yr · Amex Membership Rewards
Via Amex Travel
Requires booking via issuer travel portal
Effective
10.00%
5x · 2.00¢/pt
Should I get this? Issuer page
6
Capital One Venture X Rewards Credit Card
Capital One · $395/yr · Capital One Miles
Via Capital One Travel portal · forfeits loyalty
Requires booking via issuer travel portal
Effective
10.00%
10x · 1.00¢/pt
Should I get this? Issuer page
7
IHG One Rewards Traveler Credit Card
Chase · $0/yr · IHG One Rewards
Effective
8.50%
17x · 0.50¢/pt
Should I get this? Issuer page
8
Capital One SavorOne Cash Rewards Credit Card
Capital One · $0/yr · Cash Back
Via Capital One Travel portal
Requires booking via issuer travel portal
Effective
8.00%
8x · 1.00¢/pt
Should I get this? Issuer page
9
Ink Business Preferred Credit Card
Chase · $95/yr · Chase Ultimate Rewards
First $150K/yr
Effective
6.00%
3x · 2.00¢/pt
Should I get this? Issuer page
10
American Express Business Gold Card
American Express · $375/yr · Amex Membership Rewards
Via Amex Travel
Requires booking via issuer travel portal
Effective
6.00%
3x · 2.00¢/pt
Should I get this? Issuer page
11
Capital One Venture Rewards Credit Card
Capital One · $95/yr · Capital One Miles
Via Capital One Travel portal
Requires booking via issuer travel portal
Effective
5.00%
5x · 1.00¢/pt
Should I get this? Issuer page
12
Capital One VentureOne Rewards Credit Card
Capital One · $0/yr · Capital One Miles
Via Capital One Travel portal
Requires booking via issuer travel portal
Effective
5.00%
5x · 1.00¢/pt
Should I get this? Issuer page
13
Citi Strata Premier Card
Citi · $95/yr · Citi ThankYou Points
Effective
4.80%
3x · 1.60¢/pt
Should I get this? Issuer page
14
U.S. Bank Altitude Reserve Visa Infinite Card
U.S. Bank · $400/yr · US Bank Altitude Points
Via mobile wallet
Effective
4.50%
3x · 1.50¢/pt
Should I get this? Issuer page
15
American Express Gold Card
American Express · $325/yr · Amex Membership Rewards
Via Amex Travel
Requires booking via issuer travel portal
Effective
4.00%
2x · 2.00¢/pt
Should I get this? Issuer page
16
Bilt Obsidian Card
Wells Fargo · $95/yr · Bilt Rewards
Effective
4.00%
2x · 2.00¢/pt
Should I get this? Issuer page
17
Bilt Palladium Card
Wells Fargo · $495/yr · Bilt Rewards
Effective
4.00%
2x · 2.00¢/pt
Should I get this? Issuer page
18
Wells Fargo Autograph Journey Card
Wells Fargo · $95/yr · Wells Fargo Rewards
Effective
4.00%
4x · 1.00¢/pt
Should I get this? Issuer page
19
U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank · $95/yr · US Bank Altitude Points
Hotels and car rentals
Effective
4.00%
4x · 1.00¢/pt
Should I get this? Issuer page
20
Delta SkyMiles Platinum American Express Card
American Express · $350/yr · Delta SkyMiles
Hotels booked direct
Effective
3.60%
3x · 1.20¢/pt
Should I get this? Issuer page
21
Delta SkyMiles Platinum Business American Express Card
American Express · $350/yr · Delta SkyMiles
Hotels booked direct
Effective
3.60%
3x · 1.20¢/pt
Should I get this? Issuer page
22
World of Hyatt Credit Card
Chase · $95/yr · World of Hyatt
Effective
3.40%
2x · 1.70¢/pt
Should I get this? Issuer page
23
Wells Fargo Autograph Card
Wells Fargo · $0/yr · Wells Fargo Rewards
Effective
3.00%
3x · 1.00¢/pt
Should I get this? Issuer page
24
United Explorer Card
Chase · $150/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
25
United Quest Card
Chase · $350/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
26
United Club Infinite Card
Chase · $695/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
27
British Airways Visa Signature Card
Chase · $95/yr · British Airways Avios
Hotels booked direct
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
28
Bank of America Premium Rewards Credit Card
Bank of America · $95/yr · BofA Points
Effective
2.00%
2x · 1.00¢/pt
Should I get this? Issuer page
29
Alaska Airlines Visa Signature Credit Card
Bank of America · $95/yr · Alaska Mileage Plan
Effective
1.80%
1x · 1.80¢/pt
Should I get this? Issuer page
30
Wyndham Rewards Earner Plus Card
Barclays · $75/yr · Wyndham Rewards
Effective
1.80%
2x · 0.90¢/pt
Should I get this? Issuer page

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Chase Sapphire Reserve

IHG One Rewards Premier Credit Card

Chase Sapphire Preferred

The Platinum Card from American Express

The Business Platinum Card from American Express

Capital One Venture X Rewards Credit Card

IHG One Rewards Traveler Credit Card

Capital One SavorOne Cash Rewards Credit Card

Ink Business Preferred Credit Card

American Express Business Gold Card

Capital One Venture Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Citi Strata Premier Card

U.S. Bank Altitude Reserve Visa Infinite Card

American Express Gold Card

Bilt Obsidian Card

Bilt Palladium Card

Wells Fargo Autograph Journey Card

U.S. Bank Altitude Connect Visa Signature Card

Delta SkyMiles Platinum American Express Card

Delta SkyMiles Platinum Business American Express Card

World of Hyatt Credit Card

Wells Fargo Autograph Card

United Explorer Card

United Quest Card

United Club Infinite Card

British Airways Visa Signature Card

Bank of America Premium Rewards Credit Card

Alaska Airlines Visa Signature Credit Card

Wyndham Rewards Earner Plus Card