Choosing between the World of Hyatt Credit Card ($95/yr) and the IHG One Rewards Premier Card ($99/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Up to 9X total points at Hyatt hotels and resorts.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in travel at 5%. Up to 26x at IHG hotels, 5x on travel, gas, and dining. Earns a solid 3.0% on everything else.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | World of Hyatt Credit Card | IHG One Rewards Premier Card |
|---|---|---|
| Annual Fee | $95 | $99 |
| Sign-Up Bonus | 45,000 points after $5,000 spend in 3 months | 140,000 points after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 3.0% |
| Travel Rewards | 1% | 5% |
| Dining Rewards | 1% | 5% |
| Gas Rewards | 1% | 5% |
| Rates with conditions not counted in the rows above |
4% at Hyatt hotels Earns 4% only on stays at Hyatt hotels and resorts. Travel booked anywhere else earns 1%. |
None |
| Key Benefits | Up to 9X total points at Hyatt hotels and resorts. | Up to 26x at IHG hotels, 5x on travel, gas, and dining. |
IHG One Rewards Premier Card wins on travel, dining, groceries, gas.
IHG One Rewards Premier Card carries $100/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.
Enter your typical monthly spending and we’ll show you exactly which card earns more, including fees and bonuses.