IHG One Rewards Premier vs. Capital One QuicksilverOne
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 →
Capital One QuicksilverOne
Capital One
4.4
1.5% cash back on every purchase. No annual fee.
Full review →WealthSpott Verdict
Capital One QuicksilverOne 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
Capital One QuicksilverOne
Annual Fee
$99/yr
$0 Best
Sign-up Bonus
140,000 points
None
Rewards Rate
3x-26x
1.5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-28.49% Variable
19.99%-29.99% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
580-740
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
Capital One QuicksilverOne
Pros
- Simple 1.5% on everything
- No foreign transaction fee
Cons
- No sign-up bonus
Not sure which card is right for you?
Browse all credit cards