American Express Gold or IHG One Rewards Premier Credit Card?
IHG One Rewards Premier Credit Card returns $270 over its fee and American Express Gold returns $99, so the fee difference comes down to which categories you use.
| CATEGORY | GOLD | IHG ONE REWARDS PREMIER CREDIT CARD |
|---|---|---|
| 🍽️Food & Dining | $424 | $240 |
| 🌎Travel | — | $150 |
| ✨Lifestyle | $120 | — |
| 🚗Transportation | $120 | — |
| Hotel Free Night Certificates | — | |
| Total credits | $424 | $420 |
| Annual fee | $325 | $150 |
| Net value | +$99 | +$270 |
You use food & dining, lifestyle, transportation. Lifestyle and Transportation alone are worth $240 here and nothing on the IHG One Rewards Premier Credit Card.
You use travel. Travel alone is worth $150 here and nothing on the Amex Gold.
Where to use each card
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Frequently asked questions
Which is better, American Express Gold or IHG One Rewards Premier Credit Card?
The IHG One Rewards Premier Credit Card is better with $270 net annual value compared to the American Express Gold at $99. The IHG One Rewards Premier Credit Card wins by $171/year.
What's the difference between American Express Gold and IHG One Rewards Premier Credit Card?
The key differences: American Express Gold has a $325 annual fee and $424 in annual benefits, while IHG One Rewards Premier Credit Card has a $150 annual fee and $420 in annual benefits. The annual fee difference is $175.
Which has a lower annual fee, American Express Gold or IHG One Rewards Premier Credit Card?
The IHG One Rewards Premier Credit Card has a lower annual fee at $150 compared to the American Express Gold at $325. However, the American Express Gold offers $424 in total annual benefits.
Is the IHG One Rewards Premier Credit Card worth it compared to the American Express Gold?
Yes, the IHG One Rewards Premier Credit Card offers better value with $270 net annual value compared to $99 for the American Express Gold. It also has a lower annual fee.
Amex vs Chase: which issuer is better?
For these specific cards, Chase's IHG One Rewards Premier Credit Card offers better value with $270 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for food_and_dining?
The American Express Gold is better for food_and_dining with $424 in annual food_and_dining benefits compared to $240 for the IHG One Rewards Premier Credit Card.
Should I get the IHG One Rewards Premier Credit Card?
If you're deciding between the American Express Gold and IHG One Rewards Premier Credit Card, the IHG One Rewards Premier Credit Card is the better choice with $270 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.
Other comparisons
NET VALUE SHOWN FOR EACHMORE AMEX GOLD COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Hilton Honors American Express Surpass Card
- vs. Bank of America Premium Rewards
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. United Club Business Card
- vs. Citi AAdvantage Executive
- vs. Citi Strata Elite
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey
MORE IHG ONE REWARDS PREMIER CREDIT CARD COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Hilton Honors American Express Surpass Card
- vs. Bank of America Premium Rewards
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. United Club Business Card
- vs. Citi AAdvantage Executive
- vs. Citi Strata Elite
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey