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Card vs Card Comparison

IHG One Rewards Premier
vs
IHG One Rewards Traveler.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Chase

IHG One Rewards Premier

Annual fee

$99

Points

IHG One

Signup bonus

Currently around 140K to 175K points after spend, see issuer for the current offer

Top earning rates

  • →10x at IHG properties
  • →5x on travel, dining, gas, and grocery
  • →3x on everything else

Top perks

  • →Free night up to 40K points ($200 to $400 value)
  • →Platinum elite status
  • →Fourth night free on award stays
See IHG One Rewards Premier detailsarrow_forward

Chase

IHG One Rewards Traveler

Annual fee

Free

Points

IHG One Rewards

Signup bonus

80K points after $2K in 3 months

Top earning rates

  • →17x at IHG properties (combined earn with base)
  • →3x on dining, gas, and select streaming
  • →2x on travel outside IHG

Top perks

  • →No annual fee
  • →Fourth night free on award stays of 4+ nights
  • →No foreign transaction fee
See IHG One Rewards Traveler detailsarrow_forward

The verdict

When each card wins.

IHG One Rewards Premier wins if

Pick this if you stay at IHG once or twice a year. The fourth-night-free perk pays for the card on one trip.

Honest downside: IHG points are worth less per point, but the fourth-night-free perk on award stays is genuinely valuable.

IHG One Rewards Traveler wins if

Pick this if you stay at IHG a couple of times a year and want the fourth-night-free perk without paying an annual fee.

Honest downside: No annual free night, no elite status. The premium card adds both for a $99 fee.

At a glance

Side-by-side spec sheet.

SpecIHG One Rewards PremierIHG One Rewards Traveler
Annual fee$99Free
Points currencyIHG OneIHG One Rewards
Signup bonusCurrently around 140K to 175K points80K points
Top earn category10x at IHG properties17x at IHG properties (combined earn with base)
Second earn category5x on travel, dining, gas, and grocery3x on dining, gas, and select streaming
Third earn category3x on everything else2x on travel outside IHG
Signature perkFree night up to 40K points ($200 to $400 value)No annual fee
IssuerChaseChase

Questions

Frequently asked.

Which is better, IHG One Rewards Premier or IHG One Rewards Traveler?

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IHG One Rewards Premier wins if you stay at IHG once or twice a year. The fourth-night-free perk pays for the card on one trip. IHG One Rewards Traveler wins if you stay at IHG a couple of times a year and want the fourth-night-free perk without paying an annual fee.

Can I have both the IHG One Rewards Premier and the IHG One Rewards Traveler?

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Both cards are issued by Chase, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

Which has the higher annual fee, IHG One Rewards Premier or IHG One Rewards Traveler?

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IHG One Rewards Premier has the higher annual fee at $99, compared to $0 for IHG One Rewards Traveler. Whether the pricier card is worth the difference depends on which credits and perks you use each year.