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BJ's One Mastercard vs IHG One Rewards Premier
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the BJ's One Mastercard's. Get the IHG One Rewards Premier first; revisit the BJ's One Mastercard after you've earned that bonus.
| Feature | BJ's One Mastercard | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | 185,000 bonus points | |
| Bonus value (est.) | - | $925 |
| Min spend to unlock bonus | - | $3,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | cashback | hotel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or IHG One Rewards Premier?
- The IHG One Rewards Premier has a public bonus (185,000 bonus points, worth roughly $925), while the BJ's One Mastercard doesn't advertise one right now.
- Is the BJ's One Mastercard's $0 annual fee worth it compared to the IHG One Rewards Premier?
- The BJ's One Mastercard has no annual fee, so the question is whether the IHG One Rewards Premier's $99 fee is justified by its perks. If you'll use enough of the IHG One Rewards Premier's benefits to clear $99 in value annually, it's worth it; otherwise stick with the BJ's One Mastercard.
- Can I have both the BJ's One Mastercard and IHG One Rewards Premier?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BJ's One Mastercard or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. IHG One Rewards Premier: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.