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

American Express® Green CardAmerican Express® Green Card

American Express

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IHG One Rewards Premier Credit CardIHG One Rewards Premier Credit Card

Chase

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Annual Fee
$150
$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
40,000 Membership Rewards after $3,000 in 180 days
140,000 IHG One Rewards Points after $3,000 in 90 days

Effective return by category

CategoryAmerican Express® Green CardIHG One Rewards Premier Credit Card
Airfare6.00%
3x
2.50%
5x
Car Rentals6.00%
3x
2.50%
5x
Rideshare & Transit6.00%
3x
1.50%
3x
Hotels & Lodging6.00%
3x
1.50%
3x
Dining & Restaurants6.00%
3x
2.50%
5x
Groceries2.00%
1x
2.50%
5x
Gas Stations2.00%
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?

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