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All comparisons
Head-to-head, 2026

Chase Disney Premier Chase IHG One Rewards Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Disney PremierBigger welcome offer: Chase IHG One Rewards Premier

Chase

Disney Premier

Annual fee
$49
Network
visa
Welcome value
$400
Min spend
$1,000 / 3mo

Top earning rates

  • 5×streaming · Disney Rewards
  • 2×gas · Disney Rewards
  • 2×groceries · Disney Rewards
  • 2×dining · Disney Rewards

Key benefits

  • 1% Disney Rewards Dollars on All Other Purchases · $120
  • 2% Disney Rewards Dollars on Groceries · $120
  • Exclusive Disney Character Experiences · $100
  • 2% Disney Rewards Dollars on Dining · $72
  • Airline Statement Credit Redemption · $50
Full Chase Disney Premier review

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
$700
Min spend
$3,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Travel · IHG One Rewards
  • 5×Gas Stations · IHG One Rewards
  • 5×Dining · IHG One Rewards

Key benefits

  • 26X Total Points at IHG Hotels · $780
  • 3X Points Base Rate · $750
  • Diamond Elite Status (Spend Tier) · $500
  • 5X Points on Travel, Dining, and Gas · $360
  • Automatic Platinum Elite Status · $300
Full Chase IHG One Rewards Premier review

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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