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COMPARE/IHG ONE REWARDS PREMIER CREDIT CARD VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

IHG One Rewards Premier Credit Card or The Ritz-Carlton Credit Card?

IHG One Rewards Premier Credit Card returns $270 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit CardChase · $150 fee · 5 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE+$270$420 credits
NET VALUE-$120$330 credits
BEST NET VALUE
IHG One Rewards Premier Credit Card
CHASEIHG One Rewards Premier Credit Card
FEE$150
CREDITS$420
NET+$270
Category wins1 of 2
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 50k Free Night
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 of 2
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE IHG ONE REWARDS PREMIER CREDIT CARD IF

You use food & dining. Food & Dining alone is worth $240 here and nothing on the The Ritz-Carlton Credit Card.

TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel.

Where to use each card

IHG ONE REWARDS PREMIER CREDIT CARD

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THE RITZ-CARLTON CREDIT CARD
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Airport Lounges48 LOCATIONS
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Frequently asked questions

Which is better, IHG One Rewards Premier Credit Card or The Ritz-Carlton Credit Card?

The IHG One Rewards Premier Credit Card is better with $270 net annual value compared to the Ritz-Carlton Credit Card at -$120. The IHG One Rewards Premier Credit Card wins by $390/year.

What's the difference between IHG One Rewards Premier Credit Card and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $420 in annual benefits, while IHG One Rewards Premier Credit Card has a $150 annual fee and $330 in annual benefits. The annual fee difference is $300.

Which has a lower annual fee, IHG One Rewards Premier Credit Card or The Ritz-Carlton Credit Card?

The IHG One Rewards Premier Credit Card has a lower annual fee at $150 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the IHG One Rewards Premier Credit Card worth it compared to the Ritz-Carlton Credit Card?

Yes, the IHG One Rewards Premier Credit Card offers better value with $270 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Which card is better for food_and_dining?

The IHG One Rewards Premier Credit Card is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Ritz-Carlton Credit Card.

Should I get the IHG One Rewards Premier Credit Card?

If you're deciding between the IHG One Rewards Premier Credit Card and The Ritz-Carlton 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 EACH
American Express Platinum+$2,109
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Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
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Capital One Venture X-$65
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Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
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American Express Gold+$99
VS
American Express Platinum+$2,109
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MORE IHG ONE REWARDS PREMIER CREDIT CARD COMPARISONS

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS