IHG One Rewards Premier vs. Capital One Spark Cash Plus
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 Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →WealthSpott Verdict
IHG One Rewards Premier wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on how you spend.
Feature
IHG One Rewards
Capital One Spark
Annual Fee
$99/yr Best
$150/yr
Sign-up Bonus
140,000 points
Up to $1,200
Rewards Rate
3x-26x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
21.49%-28.49% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
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
Capital One Spark Cash Plus
Pros
- Unlimited 2% cash back on all purchases
- Up to $1,200 cash bonus
- No foreign transaction fee
Cons
- $150 annual fee
- Charge card — must pay in full monthly
- High spend required for full bonus
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