IHG One Rewards Premier Credit Card or Chase Sapphire Reserve?

Chase Sapphire Reserve returns $2,348 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 CardChase · $150 fee · 5 credits

Chase Sapphire ReserveChase · $795 fee · 13 credits

NET VALUE+$270$420 credits

NET VALUE+$2,348$3,143 credits

CATEGORY	IHG ONE REWARDS PREMIER CREDIT CARD	SAPPHIRE RESERVE
🌎Travel	$150	$1,050
🍽️Food & Dining	$240	$840
🎭Entertainment & Media	—	$624
✨Lifestyle	—	$479
🚗Transportation	—	$120
Hotel Free Night Certificates	IHG 50k Free Night	—
Lounge Access	—	Air Canada Lounge Access Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)
Total credits	$420	$3,143
Annual fee	$150	$795
Net value	+$270	+$2,348

CHASEIHG One Rewards Premier Credit Card

FEE$150

CREDITS$420

NET+$270

Category wins0 of 5

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

IHG 50k Free Night

BEST NET VALUE

CHASEChase Sapphire Reserve

FEE$795

CREDITS$3,143

NET+$2,348

Category wins5 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

Air Canada Lounge Access

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Entertainment & Media and Lifestyle and Transportation alone are worth $1,223 here and nothing on the IHG One Rewards Premier Credit Card.

Where to use each card

IHG ONE REWARDS PREMIER CREDIT CARD

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SAPPHIRE RESERVE

🍽️

Chase Exclusive Tables Restaurants413 LOCATIONS

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🛫

Airport Lounges48 LOCATIONS

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Frequently asked questions

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

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the IHG One Rewards Premier Credit Card at $270. The Chase Sapphire Reserve wins by $2,078/year.

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

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 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 $645.

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

The IHG One Rewards Premier Credit Card has a lower annual fee at $150 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,143 in total annual benefits.

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

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to $270 for the IHG One Rewards Premier Credit Card. Even though it has a higher annual fee ($795 vs $150), the Chase Sapphire Reserve provides more total benefits.

Which card is better for travel?

The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $150 for the IHG One Rewards Premier Credit Card.

Should I get the Chase Sapphire Reserve?

If you're deciding between the IHG One Rewards Premier Credit Card and Chase Sapphire Reserve, the Chase Sapphire Reserve is the better choice with $2,348 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.