All comparisons
Head-to-head, 2026
Chase IHG One Rewards Premier Chase IHG One Rewards Premier Business
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
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
- Fourth Reward Night Free · $200
- Anniversary Free Night · $200
- Global Entry, TSA PreCheck or NEXUS Credit · $120
- DoorDash Non-Restaurant Discount · $10
- Monthly Instacart Credit · $10
Chase
IHG One Rewards Premier Business
- Annual fee
- $99
- Network
- visa
- Welcome value
- $700
- Min spend
- $4,000 / 3mo
Top earning rates
- 10×IHG Hotels & Resorts · IHG One Rewards
- 5×Dining · IHG One Rewards
- 5×Advertising · IHG One Rewards
- 5×Office supplies · IHG One Rewards
Key benefits
- Anniversary Free Night · $280
- Additional 40,000-Point Free Night (Spend Tier) · $280
- Global Entry, TSA PreCheck or NEXUS Credit · $120
- $100 Statement Credit and 10,000 Bonus Points (Spend Tier) · $100
- Monthly Instacart Credit · $10
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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