American Express Gold Chase IHG One Rewards Premier
American Express Gold
$325/yr
Chase IHG One Rewards Premier
$99/yr
Every $1 · two cards
American Express Gold earns more in 7 of 9 categories · Chase IHG One Rewards Premier in 1
- Dining4×8¢ per $1
up to $50,000/yr
5×3¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
5×3¢ per $1 - Gas1×2¢ per $15×3¢ per $1
- Flights3×6¢ per $15×3¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
5×3¢ per $1 - Everything else1×2¢ per $13×1.8¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Gold
- Annual fee
- $325
- Network
- amex
- Welcome value
- —
- Min spend
- $8,000 / 6mo
Top earning rates
- 5×Prepaid hotels · Membership Rewards
- 4×US supermarkets · Membership Rewards
- 4×Restaurants worldwide · Membership Rewards
- 3×Flights · Membership Rewards
Key benefits
- The Hotel Collection $100 Credit · $100
- $100 Resy Credit · $50
- $120 Dining Credit · $10
- $120 Uber Cash · $10
- $84 Dunkin' Credit · $7
Chase
IHG One Rewards Premier
- Annual fee
- $99
- Network
- mastercard
- Welcome value
- ~$1,080
- Min spend
- $3,000 / 3mo
Top earning rates
- 10×Hotels participating in IHG One Rewards · IHG One Rewards
- 5×Grocery stores; gas stations; dining at restaurants including takeout and eligible delivery services · IHG One Rewards
- 5×Travel rewards category · IHG One Rewards
- 3×All other purchases · IHG One Rewards
Key benefits
- Anniversary Free Night · $250
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- $100 Annual Airline Statement Credit · $100
- Up to $50 United TravelBank Cash Each Year ($25 Semi-Annual) · $25
- Up to $100 in Annual IHG Food & Beverage Rewards ($25 Quarterly) · $25
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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