IHG® Rewards Premier Credit Card vs. IHG® Rewards Traveler Credit Card: Which Is Best for You?

For those who enjoy staying at IHG properties, the IHG® Rewards Premier Credit Card and IHG Rewards Club Traveler cards are excellent options to consider. MoneyGeek’s IHG® Rewards Premier Credit Card vs. IHG® Rewards Traveler Credit Card comparison discusses these two Chase credit cards so you can choose the best option for your needs.

Advertising & Editorial DisclosureLast Updated: 11/21/2022
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Last Updated: 11/21/2022

There are significant advantages for paying for your hotel stay with one of these IHG cobranded credit cards, like earning a large amount of IHG rewards for your stays. And once you’re approved for the card, you'll also receive a generous introductory bonus, automatic elite status and complimentary hotel stays.

Comparing the fees, rewards structure, interest rates and features of the IHG® Rewards Premier Credit Card and IHG® Rewards Traveler Credit Card credit cards is an important step in selecting the best card for your needs. Both reward you with solid rewards rates and benefits, but each have differing levels of benefits and annual fees.

Comparison Overview: IHG® Rewards Premier Credit Card vs. IHG® Rewards Traveler Credit Card

  • IHG® Rewards Premier Credit Card
    IHG® Rewards Traveler Credit Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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IHG® Rewards Premier Credit Card At a Glance

The IHG® Rewards Premier Credit Card provides up to 25X total points at IHG Hotels and Resorts, as well as two points for every dollar spent at gas stations, grocery stores and restaurants. For all other eligible purchases, you'll get one point per dollar. The $89 annual fee can be offset by utilizing the card’s rewards and benefits, which include one free night and a large welcome bonus.


  • IHG® Rewards Premier Credit Card

    A fantastic card for earning rewards when you stay at IHG hotels and resorts.


    • Good-ExcellentRecommended Credit
    • $89Annual Fee
    • 1–25 Points per $1*Rewards Rate
    • 25xRewards Rate at Hotels
    • 2xRewards Rate on Groceries

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

IHG® Rewards Traveler Credit Card At a Glance

In addition to offering up to 15X total points at IHG Hotels and Resorts, the IHG® Rewards Traveler Credit Card also offers two points for every dollar spent at gas stations, grocery stores and restaurants, all without an annual fee. You will receive one point for every dollar spent on anything else. It also offers no foreign transaction fees, so you can continue to earn points outside of the U.S.


  • IHG® Rewards Traveler Credit Card

    Great card for earning points fast for IHG loyalists


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1–2 Points per $1Rewards Rate
    • 15xRewards Rate at Hotels
    • 2xRewards Rate on Gas

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

Comparing two credit cards with similar features may not be an easy task. MoneyGeek’s IHG® Rewards Premier Credit Card vs IHG® Rewards Traveler Credit Card comparison helps you decide which one is ideal for you.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    Both cards provide the same travel benefits, such as baggage delay insurance, lost luggage reimbursement, purchase protection and trip cancellation insurance.

    Winner: Tie

  • Welcome Bonus

    You will receive 125,000 bonus points and a free night at an IHG property for spending $3,000 on eligible purchases within the first three months of card membership with the IHG® Rewards Premier Credit Card.

    The IHG® Rewards Traveler Credit Card rewards you with 80,000 bonus points after spending $2,000 on purchases during the first three months of card membership.

    Winner: IHG® Rewards Premier Credit Card

  • Rewards

    The IHG® Rewards Premier Credit Card earns up to 25X points at IHG hotels and resorts, two points per dollar spent at gas stations, grocery stores and restaurants and one point per dollar for everything else.

    The IHG® Rewards Traveler Credit Card also offers two points per dollar spent at gas stations, grocery stores and restaurants and 15 points per dollar at IHG properties, all without an annual fee. All other eligible purchases earn one point per dollar.

    Winner: IHG® Rewards Premier Credit Card

  • Annual Fee

    The annual fee for the IHG® Rewards Premier Credit Card is $89, while the IHG® Rewards Traveler Credit Card is free.

    Winner: IHG® Rewards Traveler Credit Card

Which Card Should You Get?

The IHG® Rewards Premier Credit Card or the IHG® Rewards Traveler Credit Card both offer similar benefits for IHG hotel stays. However, it’s best to weigh each feature of both cards before making a decision on which card works best for you.

Who Should Consider the IHG® Rewards Premier Credit Card?

In MoneyGeek's rankings of the best travel credit cards, the IHG Rewards Club Premier did not make the cut. However, even there is a $89 annual fee, the card is an excellent choice for someone that falls in the follow categories:

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    Travelers who prefer to stay at IHG Hotels while on vacation or business travel.

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    Travelers looking for an easy route to Platinum Elite status with IHG.

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    Consumers looking for a travel rewards card that rewards them while dining out, shopping for groceries and filling up their gas tanks.

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Who Should Consider the IHG® Rewards Traveler Credit Card?

The IHG® Rewards Traveler Credit Card isn't on the list of best travel or reward cards from MoneyGeek.com either. However, based on our findings, the card is more beneficial for travelers who fall in these categories:

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    Consumers looking for a no annual fee travel credit card.

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    Travelers who stay in IHG hotels infrequently.

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EXPERT OPINION

If you stay in IHG hotels more than two times per year, the IHG Rewards Club Premier card is the better deal simply for the complimentary award night. In addition, the card comes with Platinum Elite status, giving travelers solid benefits that can be used at the various IHG properties. And comparing the IHG Rewards Club Premier travel credit card $89 annual fee to other travel cards with significantly higher annual fees.

Other Helpful Decision-Making FAQs

The IHG® Rewards Premier Credit Card and the IHG® Rewards Traveler Credit Cards are quite similar, so MoneyGeek has answered several questions that may help you decide which one is best for you.

Still Not Sure About These Cards? Consider These Options

Don't give up if you can't choose between Chase’s IHG Rewards Club Premier and IHG Rewards Club Traveler cards. Try a rewards or cash back credit card if you want more opportunities to get rewarded.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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