Wells Fargo Reflect® vs. IHG One Rewards Premier
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 →WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. IHG One Rewards Premier may still win for your wallet depending on how you spend.
Feature
Wells Fargo Reflect®
IHG One Rewards
Annual Fee
$0 Best
$99/yr
Sign-up Bonus
None
140,000 points
Rewards Rate
0%
3x-26x
Rewards Type
None
Points
0% Intro APR
0% intro APR for up to 21 months
N/A
Regular APR
18.24%-29.99% Variable Best
21.49%-28.49% Variable
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
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
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