Card comparison
Which card is better between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card?
IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card are effectively tied on Madeen's weighted scorecard across categories, bonus, benefits, and fee — your spend mix decides the winner.
Effective rate Chase Sapphire Preferred Credit Card
Annual fee Chase Sapphire Preferred Credit Card
Welcome bonus Tie
Benefits value Chase Sapphire Preferred Credit Card
Tie is the stronger overall pick between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card because the weighted score across categories, bonus, benefits, and fee is effectively a tie. IHG One Rewards Premier Credit Card (2.5% top effective rate) vs Chase Sapphire Preferred Credit Card (3%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose IHG One Rewards Premier Credit Card when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Chase Sapphire Preferred Credit Card when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card compare across all spend categories?
Across all five spend categories, IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card trade wins row by row. IHG One Rewards Premier Credit Card peaks at 2.5% effective; Chase Sapphire Preferred Credit Card peaks at 3%. Chase Sapphire Preferred Credit Card wins the headline effective-rate view in this pair.
| Category / metric | IHG One Rewards Premier Credit Card | Chase Sapphire Preferred Credit Card | Winner |
|---|---|---|---|
| Dining | 5x points (2.5%) | 3x points (3%) | Chase Sapphire Preferred Credit Card · 0.5 pts |
| Grocery | 3x points (1.5%) | 1x points (1%) | IHG One Rewards Premier Credit Card · 0.5 pts |
| Gas | 5x points (2.5%) | 1x points (1%) | IHG One Rewards Premier Credit Card · 1.5 pts |
| Travel | 3x points (1.5%) | 1x points (1%) | IHG One Rewards Premier Credit Card · 0.5 pts |
| Other | 3x points (1.5%) | 3x points (3%) | Chase Sapphire Preferred Credit Card · 1.5 pts |
| Welcome bonus | ~$750 estimated | ~$750 estimated | Tie |
| Est. annual benefits | $25855/yr | $33479/yr | Chase Sapphire Preferred Credit Card |
| Annual fee | $99 | $95 | Chase Sapphire Preferred Credit Card |
| Holistic overall | 50 pts (cat 22, bonus 10, benefits 11, fee 7) | 50 pts (cat 18, bonus 10, benefits 14, fee 8) | Tie |
Madeen take
How to think about this pair
IHG One Rewards Premier Credit Card (2.5% top effective rate) vs Chase Sapphire Preferred Credit Card (3%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use IHG One Rewards Premier Credit Card when Best for spenders who put meaningful volume in dining and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use Chase Sapphire Preferred Credit Card when Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if.
Hold both?
Many Chase users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, IHG One Rewards Premier Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: IHG One Rewards Premier Credit Card or Chase Sapphire Preferred Credit Card?
Madeen estimates $25855 annual benefit value on IHG One Rewards Premier Credit Card versus $33479 on Chase Sapphire Preferred Credit Card. Credits only matter if you will use them.
IHG One Rewards Premier Credit Card
Total est. value: $25,855/yr
Credits and perks only help if you will actually use them in a typical year.
- Purchase Protection $10,000/yr
- Trip Cancellation/Trip Interruption Insurance $5,000/yr
- DoorDash $3,600/yr
- Lost Luggage Reimbursement $3,000/yr
- Lyft $1,440/yr
Chase Sapphire Preferred Credit Card
Total est. value: $33,479/yr
Credits and perks only help if you will actually use them in a typical year.
- Extended Warranty Protection $10,000/yr
- Purchase Protection $10,000/yr
- Trip Cancellation and Interruption Insurance $10,000/yr
- Roadside Dispatch® $1,000/yr
- Additional Value with Ultimate Rewards $750/yr
Welcome bonus
Which welcome bonus is stronger for IHG One Rewards Premier Credit Card or Chase Sapphire Preferred Credit Card?
If you are chasing a welcome bonus, IHG One Rewards Premier Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. IHG One Rewards Premier Credit Card lists 150k IHG One.
IHG One Rewards Premier Credit Card
150k IHG One Rewards
Chase Sapphire Preferred Credit Card
75k Chase Ultimate Rewards
Caps & conditions
Caps and earn limits
Both IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
IHG One Rewards Premier Credit Card
- Earn 5X total points on dining
- Earn 5X total points at gas stations
Chase Sapphire Preferred Credit Card
- Earn 3x points on dining, including eligible delivery services, takeout and dining out
- Earn 3x points on select streaming services
Who should pick which
Scenario playbook
Cashback-first user
Pick Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred Credit Card is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred Credit Card is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred Credit Card is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Chase Sapphire Preferred Credit Card
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick IHG One Rewards Premier Credit Card
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick IHG One Rewards Premier Credit Card
If you are chasing a welcome bonus, IHG One Rewards Premier Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Chase Sapphire Preferred Credit Card
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card?
Tie is the better overall pick because the weighted score across categories, bonus, benefits, and fee is effectively a tie. IHG One Rewards Premier Credit Card (2.5% top effective rate) vs Chase Sapphire Preferred Credit Card (3%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick IHG One Rewards Premier Credit Card over Chase Sapphire Preferred Credit Card?
Choose IHG One Rewards Premier Credit Card if Best for spenders who put meaningful volume in dining and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 2.5% effective (5x points).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $99 annual fee requires enough spend in bonus categories to offset.
- IHG One Rewards value depends on how you redeem, not straight cash back.
When should you pick Chase Sapphire Preferred Credit Card over IHG One Rewards Premier Credit Card?
Choose Chase Sapphire Preferred Credit Card if Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.. Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $95 annual fee requires enough spend in bonus categories to offset.
- Chase Ultimate Rewards value depends on how you redeem, not straight cash back.
Common questions about IHG One Rewards Premier Credit Card vs Chase Sapphire Preferred Credit Card
Which card is better between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card?
Tie is the stronger overall fit because the weighted score across categories, bonus, benefits, and fee is effectively a tie. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: IHG One Rewards Premier Credit Card or Chase Sapphire Preferred Credit Card?
Chase Sapphire Preferred Credit Card leads dining at 3% effective versus 2.5%.
Which card is better for cashback users: IHG One Rewards Premier Credit Card or Chase Sapphire Preferred Credit Card?
Chase Sapphire Preferred Credit Card is the better cashback-style pick between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card.
Which welcome bonus is stronger between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card?
If you are chasing a welcome bonus, IHG One Rewards Premier Credit Card leads on catalog bonus value. For long-term category earn after the bonus, Chase Sapphire Preferred Credit Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: IHG One Rewards Premier Credit Card or Chase Sapphire Preferred Credit Card?
Chase Sapphire Preferred Credit Card leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: IHG One Rewards Premier Credit Card or Chase Sapphire Preferred Credit Card?
Chase Sapphire Preferred Credit Card has the simpler fee story in this pair ($99 vs $95). Annual fee only wins if you use the rewards and credits that justify it.
Is IHG One Rewards Premier Credit Card or Chase Sapphire Preferred Credit Card better for travel spend?
Chase Sapphire Preferred Credit Card is the stronger travel-style pick between IHG One Rewards Premier Credit Card and Chase Sapphire Preferred Credit Card in this snapshot.
Can you hold both Chase cards?
Yes, many people can hold both Chase cards when each covers a different spend lane and the combined fees still make sense.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Standard
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