Capital One Platinum Secured vs. IHG One Rewards Premier
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
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
Capital One Platinum Secured and IHG One Rewards Premier are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One Platinum
IHG One Rewards
Annual Fee
$0 Best
$99/yr
Sign-up Bonus
None
140,000 points
Rewards Rate
0%
3x-26x
Rewards Type
None
Points
0% Intro APR
N/A
N/A
Regular APR
29.99% Variable
21.49%-28.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
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
Not sure which card is right for you?
Browse all credit cards