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COMPARE/IHG ONE REWARDS PREMIER CREDIT CARD VS SAPPHIRE PREFERRED
FIRST CARD
SECOND CARD

IHG One Rewards Premier Credit Card or Chase Sapphire Preferred?

Chase Sapphire Preferred returns $455 over its fee and IHG One Rewards Premier Credit Card returns $270, 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
Chase Sapphire Preferred
Chase Sapphire PreferredChase · $95 fee · 5 credits
NET VALUE+$270$420 credits
NET VALUE+$455$550 credits
IHG One Rewards Premier Credit Card
CHASEIHG One Rewards Premier Credit Card
FEE$150
CREDITS$420
NET+$270
Category wins1 of 3
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 50k Free Night
BEST NET VALUE
Chase Sapphire Preferred
CHASEChase Sapphire Preferred
FEE$95
CREDITS$550
NET+$455
Category wins1 of 3
TAKE THE IHG ONE REWARDS PREMIER CREDIT CARD IF

You use travel.

TAKE THE SAPPHIRE PREFERRED IF

You use entertainment & media. Entertainment & Media alone is worth $180 here and nothing on the IHG One Rewards Premier Credit Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

Which is better, IHG One Rewards Premier Credit Card or Chase Sapphire Preferred?

The Chase Sapphire Preferred is better with $455 net annual value compared to the IHG One Rewards Premier Credit Card at $270. The Chase Sapphire Preferred wins by $185/year.

What's the difference between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred?

The key differences: IHG One Rewards Premier Credit Card has a $150 annual fee and $550 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $420 in annual benefits. The annual fee difference is $55.

Which has a lower annual fee, IHG One Rewards Premier Credit Card or Chase Sapphire Preferred?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the IHG One Rewards Premier Credit Card at $150. However, the IHG One Rewards Premier Credit Card offers $420 in total annual benefits.

Is the Chase Sapphire Preferred worth it compared to the IHG One Rewards Premier Credit Card?

Yes, the Chase Sapphire Preferred offers better value with $455 net annual value compared to $270 for the IHG One Rewards Premier Credit Card. It also has a lower annual fee.

Which card is better for entertainment_and_media?

The Chase Sapphire Preferred is better for entertainment_and_media with $180 in annual entertainment_and_media benefits compared to $0 for the IHG One Rewards Premier Credit Card.

Should I get the Chase Sapphire Preferred?

If you're deciding between the IHG One Rewards Premier Credit Card and Chase Sapphire Preferred, the Chase Sapphire Preferred is the better choice with $455 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
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE IHG ONE REWARDS PREMIER CREDIT CARD COMPARISONS

MORE SAPPHIRE PREFERRED COMPARISONS