American Express® Gold Card vs. IHG One Rewards Premier
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →
IHG One Rewards Premier
Chase
4.2
140,000-point bonus. 26x at IHG. 4th night free on award stays.
Full review →WealthSpott Verdict
IHG One Rewards Premier wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
IHG One Rewards
Annual Fee
$250/yr
$99/yr Best
Sign-up Bonus
60,000 points
140,000 points
Rewards Rate
1x-4x
3x-26x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
See terms
21.49%-28.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
IHG One Rewards Premier
Pros
- 140,000-point sign-up bonus
- Free night certificate annually
- Fourth night free on reward stays
- Platinum Elite status
Cons
- $99 annual fee
- Points tied to IHG ecosystem
- Points worth less per point than Marriott/Hilton
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