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.
Strongest in travel at 4%. 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 | 3 free nights after $5,000 spend in 3 months | 175,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | <strong>3.0%</strong> |
| Travel Rewards | 4% | <strong>5%</strong> |
| Dining Rewards | 1% | <strong>5%</strong> |
| Gas Rewards | 1% | <strong>5%</strong> |
| 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.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.