Chase Sapphire Reserve vs IHG One Rewards Premier: Which Is Better In 2025?

IHG One Rewards Premier Breakdown

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Why We Like It

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Here’s a closer look at why the IHG One Rewards Premier card stands out to us.

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• Its Anniversary Free Night certificate offers significant value each year, valid at IHG properties costing up to 40,000 points.
• Cardholders automatically receive Platinum Elite status, unlocking perks like complimentary room upgrades and late check-out.
• You can easily offset the annual fee by using the Anniversary Free Night for a stay valued at more than $99 (publisher-formulated estimate).

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Pros

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• Extends your vacation with a fourth reward night free when you redeem points for a stay of four nights or longer.
• Offers valuable travel perks, including a statement credit for trusted traveler programs like Global Entry and no foreign transaction fees.
• Your points won't expire as long as you're a cardmember, giving you the flexibility to save up for a big trip.

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Cons

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• Carries an annual fee that isn't waived for the first year.
• The rewards program is less flexible than some competitors, as points have limited transfer partners and are most valuable when redeemed at IHG properties.
• Lacks some of the premium travel insurance benefits offered by other top-tier travel cards.

IHG One Rewards Premier vs Chase Sapphire Reserve®

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Categories

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Deciding which is better, Chase Sapphire Reserve or IHG One Rewards Premier, comes down to your specific travel habits and loyalty preferences. Each card is tailored to a different type of traveler, offering distinct advantages depending on what you value most.

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• Chase Sapphire Reserve® - This premium card is built for frequent travelers who want flexible rewards and luxury perks. It's ideal for those who spend on a variety of travel and dining and want comprehensive benefits not tied to a single brand.
• IHG One Rewards Premier Credit Card - This card is best for travelers loyal to IHG Hotels & Resorts. It offers the most value to those who want to maximize hotel-specific benefits like elite status, reward nights, and other on-property perks.

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Redemption

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Chase Sapphire Reserve®: Points earned with this card offer significant flexibility, as they can be redeemed for travel through the Chase portal or transferred to numerous airline and hotel partners.

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IHG One Rewards Premier: Rewards are redeemed for stays within the IHG family of hotels and resorts, and cardholders can also take advantage of special reward night offers to stretch their points further.

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Travel Perks

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• Chase Sapphire Reserve®: This card provides a comprehensive travel ecosystem. Cardholders gain access to the Chase Ultimate Rewards® portal for booking flights, hotels, and other travel, often at an increased point value. The card includes complimentary airport lounge access through a Priority Pass™ Select membership. It also features an annual travel credit and a statement credit for Global Entry, TSA PreCheck™, or NEXUS application fees. There are no foreign transaction fees on purchases made abroad.
• IHG One Rewards Premier Credit Card: The travel ecosystem for this card is centered entirely around the IHG brand. While it doesn't offer a general travel portal or broad lounge access, its perks are substantial for IHG loyalists. Key benefits include an Anniversary Free Night, automatic Platinum Elite status, and a fourth reward night free on stays of four or more nights booked with points. This card also offers a statement credit for Global Entry, TSA PreCheck, or NEXUS application fees and charges no foreign transaction fees.

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Who Should Choose the Chase Sapphire Reserve®?

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The Chase Sapphire Reserve® is tailor-made for frequent travelers who want to extract maximum value from their spending on travel and dining. This user is someone who will consistently take advantage of the card’s premium benefits, such as the annual travel credit, Priority Pass™ Select lounge access, and comprehensive travel protections. Ultimately, it's the ideal choice for a globetrotter or foodie who can easily justify the high annual fee by leveraging the card's extensive perks, as detailed in this Chase Sapphire Reserve Review.

Who Should Choose the IHG One Rewards Premier?

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The IHG One Rewards Premier Credit Card is tailored for travelers who regularly stay at IHG properties like Holiday Inn, Kimpton, or InterContinental. These cardholders can maximize value through automatic Platinum Elite status perks and the fourth-night-free benefit on longer award stays. Ultimately, the ideal candidate is someone whose travel habits allow them to easily offset the annual fee with key benefits like the anniversary free night.

Alternatives to Consider

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Perhaps the Chase Sapphire Reserve® vs IHG One Rewards Premier comparison shows that neither card quite fits your spending habits or travel goals. Fortunately, the travel rewards card market is full of strong contenders that might be a better fit.

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Tips for Application Success

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Before You Apply

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• Check your credit score – You will generally need good to excellent credit for approval.
• Plan your spending – Make sure you can naturally meet the minimum spend to earn the welcome offer.
• Understand the perks – Review the card’s benefits and note any that require enrollment after approval.

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Application Strategy

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• Know the issuer’s rules – Be aware of any application restrictions the card issuer may have.
• Time your application – Consider applying before a large planned purchase to help meet the spending threshold.
• Don’t be discouraged by a pending status – Sometimes a quick call to the issuer can help finalize an application.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for earning hotel points?

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The IHG One Rewards Premier Credit Card is purpose-built for earning points on IHG hotel stays and purchases. While the Chase Sapphire Reserve® earns flexible points that can be transferred to IHG, the IHG card generally provides a higher return specifically within its own hotel network.

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What are the annual fees for each card?

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The Chase Sapphire Reserve® has a $795 annual fee. The IHG One Rewards Premier Credit Card has a much lower annual fee of $99.

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Can I transfer points between these two programs?

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No, you cannot transfer points from IHG back to Chase. However, since IHG is a transfer partner of the Chase Ultimate Rewards program, you can move points from your Chase Sapphire Reserve® to your IHG One Rewards account.

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