IHG One Rewards Premier vs Delta SkyMiles Platinum: Which Is Better In 2025?

Delta SkyMiles® Platinum American Express Breakdown

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Why We Like It

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Here’s a breakdown of why we like the Delta SkyMiles® Platinum American Express Card.

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• The card offers a suite of valuable travel benefits, including an annual companion certificate and statement credits for rideshare and dining.
• While it comes with an annual fee (See Rates & Fees), its premium travel perks can provide significant value for frequent Delta flyers.
• The annual companion certificate for a domestic main cabin round-trip flight can easily offset the card's annual fee in a single trip (publisher-formulated estimate).

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Receive an annual companion certificate for a domestic main cabin round-trip flight upon card renewal.
• Enjoy travel day conveniences like a free first checked bag for you and your companions, plus priority boarding.
• Benefit from annual statement credits for select rideshare and dining purchases, and an accelerated path toward Medallion status.

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Cons

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• Carries a significant annual fee, which is not waived for the first year.
• Lacks complimentary Delta Sky Club® access.
• Key benefits, like the companion certificate, come with notable restrictions, and some bonus categories can be complex to track.

Delta SkyMiles® Platinum American Express vs IHG One Rewards Premier

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Categories

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Deciding which is better, the IHG One Rewards Premier or Delta SkyMiles Platinum, comes down to your specific travel loyalty and spending habits. Each card is designed to reward a different type of traveler, one focused on hotel stays and the other on airline benefits.

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• IHG One Rewards Premier Credit Card: This card is best suited for frequent travelers who regularly stay at IHG Hotels & Resorts and can maximize benefits like hotel elite status and anniversary free nights.
• Delta SkyMiles® Platinum American Express Card: This card is ideal for loyal Delta flyers, particularly those aiming for Medallion status or who can take advantage of the annual companion certificate for flights.

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Redemption

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IHG One Rewards Premier Credit Card: Points are primarily redeemed for free nights at IHG's vast portfolio of hotels and resorts worldwide. You can also use points for other travel or merchandise, though hotel stays typically offer the best value.

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Delta SkyMiles® Platinum American Express Card: SkyMiles earned with this card are redeemed for flights on Delta and its partner airlines. Other redemption options include using miles for seat upgrades, vacation packages, or experiences.

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Travel Perks

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• Foreign Transaction Fees: Both cards are excellent companions for international travel, as neither charges foreign transaction fees on purchases made abroad.
• Lounge Access: The Delta Platinum card offers access to the Delta Sky Club lounge network for a fee when you have a same-day Delta flight; terms apply. The IHG Premier card does not include airport lounge access as a core benefit.
• Annual Certificates & Credits: Each card provides a valuable annual certificate. The IHG Premier offers an Anniversary Free Night for use at eligible hotels, while the Delta Platinum provides a Companion Certificate for a domestic Main Cabin round-trip flight each year upon renewal (taxes and fees apply). Both cards also offer a statement credit to cover the application fee for Global Entry or TSA PreCheck.
• Travel Network: The core of the Delta Platinum card's ecosystem is Delta Air Lines and its SkyTeam partners, making it ideal for booking flights with miles. In contrast, the IHG Premier card's ecosystem is centered on IHG's vast portfolio of hotels, with points best used for booking stays.

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Compare Top Rated Credit Cards with Kudos

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To make the right choice, a tool like Kudos can help you compare top-rated cards based on your own spending.

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• ‘Test drive’ nearly 3,000 credit cards using your real spending data to see personalized earnings projections before you apply.
• Get detailed approval odds based on your credit report to make more confident decisions.
• Manage all your cards in one place with the Kudos Wallet, which also helps you track spending and monitor transactions.
• Receive personalized, data-driven card recommendations that match your unique spending habits.
• Earn extra rewards with Kudos Boost and automatically use the best card for your purchase at checkout.

Who Should Choose the IHG One Rewards Premier?

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The IHG One Rewards Premier Credit Card is a strong contender for travelers who frequently stay at IHG properties like Holiday Inn, InterContinental, or Kimpton. Its value shines for those who can maximize perks such as automatic Platinum Elite status and the annual free night certificate, which can easily offset the annual fee. Additionally, travelers who often book longer stays will benefit from the fourth reward night free, making the IHG Premier card an even more compelling choice.

Who Should Choose the Delta SkyMiles® Platinum American Express?

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The Delta SkyMiles® Platinum American Express card is tailor-made for dedicated Delta flyers and those actively pursuing Medallion status, offering perks that directly enhance their travel experience. It's also a strong contender for couples and families who can leverage the annual companion certificate, as well as for moderate-to-heavy spenders who will maximize the rewards on dining, groceries, and travel. Ultimately, as detailed in this comprehensive card review, it's best for individuals with good-to-excellent credit who fly Delta often enough to make the annual fee worthwhile.

Alternatives to Consider

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After a detailed IHG One Rewards Premier vs. Delta SkyMiles® Platinum American Express comparison, you might find that neither card quite fits your spending habits or travel goals. Fortunately, the world of travel rewards cards is vast, and other options might be a better match.

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Tips for Application Success

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Before You Apply

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• Check your credit score - A good to excellent credit history is typically required for approval.
• Plan your spending - Ensure you can comfortably meet the minimum spend for the welcome offer without overspending.
• Know your redemption goals - Research transfer partners to confirm the card’s rewards fit your travel style.

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Application Strategy

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• Know the issuer rules-Be aware of policies like Chase's 5/24 rule or Amex's once-per-lifetime welcome offer rule.
• Check for pre-qualified offers-Some issuers let you check for offers with no impact to your credit score.
• Time your application-Apply before a large planned purchase to help meet the spending requirement naturally.

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 hotel stays?

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The IHG One Rewards Premier card is specifically designed for hotel benefits, offering rewards and perks directly tied to stays at IHG properties. It is the superior choice if your primary goal is to maximize hotel rewards.

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Which card is better for frequent flyers?

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For those who fly often, especially with Delta, the Delta SkyMiles Platinum card offers more relevant benefits. It provides perks like priority boarding, free checked bags, and the ability to earn Medallion Qualification Dollars.

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Can I transfer points between IHG and Delta?

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Generally, you cannot directly transfer points between the IHG One Rewards and Delta SkyMiles programs. Each loyalty program operates independently, so points earned with one card are best used within that specific ecosystem.

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