IHG One Rewards Premier vs. AAdvantage® Aviator® Red World Elite Mastercard®
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 →
AAdvantage® Aviator® Red World Elite Mastercard®
Barclays
4.0
60,000-mile bonus after first purchase. Free checked bag on AA flights.
Full review →WealthSpott Verdict
IHG One Rewards Premier and AAdvantage® Aviator® Red World Elite Mastercard® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
IHG One Rewards
AAdvantage® Aviator® Red
Annual Fee
$99/yr
$99/yr
Sign-up Bonus
140,000 points
60,000 miles
Rewards Rate
3x-26x
1x-2x
Rewards Type
Points
Miles
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable
21.49%-29.49% Variable
Foreign Transaction Fee
None
None
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
AAdvantage® Aviator® Red World Elite Mastercard®
Pros
- 60,000-mile bonus after just one purchase
- Free first checked bag on AA flights
- Preferred boarding on American Airlines
- No foreign transaction fee
Cons
- $99 annual fee
- Low everyday earning rate (1x on most)
- Miles tied to American Airlines only
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