American Express® Gold Card vs IHG One Rewards Premier Credit Card

American Express® Gold CardAmerican Express® Gold Card

American Express

Loading...
IHG One Rewards Premier Credit CardIHG One Rewards Premier Credit Card

Chase

Loading...
Annual Fee
$325
$150
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
IHG One Rewards Points
Point Value
2.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
Up to 100,000 points after $8,000 in 6 months (offers vary)
140,000 IHG One Rewards Points after $3,000 in 90 days

Effective return by category

CategoryAmerican Express® Gold CardIHG One Rewards Premier Credit Card
Card Travel Portals10.00%
5x
1.50%
3x
Dining & Restaurants8.00%
4x · Capped Spending · $50,000 cap
2.50%
5x
Groceries8.00%
4x · Capped Spending · $25,000 cap
2.50%
5x
Gas Stations2.00%
1x
2.50%
5x
Airfare2.00%
1x
2.50%
5x
Car Rentals2.00%
1x
2.50%
5x
Everything else2.00%
1x
1.50%
3x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

Ask the Advisor