American Express Platinum Chase IHG One Rewards Premier
American Express Platinum
$895/yr
Chase IHG One Rewards Premier
$99/yr
Every $1 · two cards
American Express Platinum earns more in 5 of 9 categories · Chase IHG One Rewards Premier in 3
- Dining1×2¢ per $15×3¢ per $1
- Groceries1×2¢ per $15×3¢ per $1
- Gas1×2¢ per $15×3¢ per $1
- Flights5×10¢ per $1
up to $500,000/yr
5×3¢ per $1 - Hotels5×10¢ per $1
via American Express Travel
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
Platinum
- Annual fee
- $895
- Network
- amex
- Welcome value
- —
- Min spend
- $12,000 / 6mo
Top earning rates
- 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
- 5×Prepaid hotels · Membership Rewards
- 5×Prepaid short-term rentals with Airbnb · Membership Rewards
- 2×Eligible travel purchases · Membership Rewards
Key benefits
- Cell Phone Protection · $800
- Trip Delay Insurance · $500
- $300 Equinox Credit · $300
- $600 Lodging Credit · $300
- $250 Airbnb Experiences Credit · $250
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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