IHG One Rewards Premier vs. Wells Fargo Active Cash®
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 →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Wells Fargo Active Cash® 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
Wells Fargo Active
Annual Fee
$99/yr
$0 Best
Sign-up Bonus
140,000 points
$200
Rewards Rate
3x-26x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-28.49% Variable
19.49%-29.49% 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
Wells Fargo Active Cash®
Pros
- 2% cash back on all purchases
- $200 sign-up bonus
- No annual fee
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- No bonus categories for heavy spenders
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