Discover it Cash Back vs IHG One Rewards Premier Card
Compare the Discover it Cash Back ($0/yr) against the IHG One Rewards Premier Card ($99/yr) to see which card earns you more rewards based on your spending.
See how the Discover it Cash Back and IHG One Rewards Premier Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Discover it Cash Back | IHG One Rewards Premier Card |
|---|---|---|
| Annual Fee | $0 | $99 |
| Sign-Up Bonus | None | 175,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 3.0% |
| Travel Rewards | 1.0% | 5% |
| Dining Rewards | 1.0% | 5% |
| Gas Rewards | 1.0% | 5% |
| Key Benefits | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. | Up to 26x at IHG hotels, 5x on travel, gas, and dining. |
| Issuer | Discover | Chase |
Quick Summary
The Discover it Cash Back has a $0 annual fee (saving you $99/year compared to IHG One Rewards Premier Card).
IHG One Rewards Premier Card has a higher base reward rate (3.0% vs 1.0%).
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