IHG One Rewards Premier vs. Bank of America® Customized Cash Rewards
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 →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Bank of America® Customized Cash Rewards 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
Bank of America®
Annual Fee
$99/yr
$0 Best
Sign-up Bonus
140,000 points
$200
Rewards Rate
3x-26x
1%-3%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 billing cycles
Regular APR
21.49%-28.49% Variable
19.24%-29.24% 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
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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