Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Chase Sapphire Preferred® Credit Card ($95/yr) and the IHG One Rewards Premier Select Credit Card ($350/yr) comes down to where you spend most. IHG One Rewards Premier Select needs about $4,250 a month in flights, hotels or other travel, counting that spending alone, to make up its $255 higher annual fee over Chase Sapphire Preferred Card. Below that, Chase Sapphire Preferred Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in travel at 6%. Up to 28x total at IHG hotels, 6x on dining and all other travel, 3x on everything else. Earns a solid 3.0% on everything else.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Apply Now| Feature | Chase Sapphire Preferred Card | IHG One Rewards Premier Select Credit Card |
|---|---|---|
| Annual Fee | $95 | $350 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | 200,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 3% |
| Travel Rewards | 2% | 6% |
| Dining Rewards | 3% | 6% |
| Groceries Rewards | 3% | 3% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. 3% at top gas and EV charging brands Earns 3% only at the gas station and EV charging brands Chase selects. Other gas stations earn 1%. |
12% at IHG hotels Earns 12% only on stays at IHG Hotels and Resorts. Other travel earns 6%. |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | Up to 28x total at IHG hotels, 6x on dining and all other travel, 3x on everything else. |
IHG One Rewards Premier Select Credit Card wins on travel, dining, gas.
The $255/year fee difference means IHG One Rewards Premier Select Credit Card needs to earn about that much more in rewards to justify its cost.
Chase Sapphire Preferred Card carries $220/year in credits (mostly tied to specific merchants or bookings), while IHG One Rewards Premier Select Credit Card carries $910/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.