Chase Sapphire Reserve® vs. IHG One Rewards Premier
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
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. Chase Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
IHG One Rewards
Annual Fee
$550/yr
$99/yr Best
Sign-up Bonus
60,000 points
140,000 points
Rewards Rate
1x-10x
3x-26x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable
21.49%-28.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
720-850
670-850
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
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