Chase Sapphire Preferred® Card vs. IHG One Rewards Premier
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
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
Chase Sapphire Preferred® Card wins on more measurable categories — particularly annual cost. IHG One Rewards Premier may still win for your wallet depending on how you spend.
Feature
Chase Sapphire Preferred®
IHG One Rewards
Annual Fee
$95/yr Best
$99/yr
Sign-up Bonus
60,000 points
140,000 points
Rewards Rate
1x-5x
3x-26x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable
21.49%-28.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
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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