IHG One Rewards Premier vs. Blue Cash Preferred® Card from American Express
Side-by-side comparison · Updated 2026 · Independently reviewed
IHG One Rewards Premier
Chase
4.2
140,000-point bonus. 26x at IHG. 4th night free on award stays.
Full review →
Blue Cash Preferred® Card from American Express
American Express
4.6
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
Full review →WealthSpott Verdict
Blue Cash Preferred® Card from American Express wins on more measurable categories — particularly annual cost. IHG One Rewards Premier may still win for your wallet depending on your spending patterns.
Feature
IHG One Rewards
Blue Cash Preferred®
Annual Fee
$99/yr
$95/yr Best
Sign-up Bonus
140,000 points
$350
Rewards Rate
3x-26x
1%-6%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 12 months
Regular APR
21.49%-28.49% Variable
19.24%-29.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
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
Blue Cash Preferred® Card from American Express
Pros
- 6% back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming subscriptions
- $0 intro annual fee for first year
Cons
- $95 annual fee after first year
- 6% grocery bonus caps at $6,000/year
- Foreign transaction fee
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