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Bank of America Unlimited Cash Rewards Credit Card vs IHG One Rewards Premier
Both are well-respected travel cards. The Bank of America Unlimited Cash Rewards Credit Card comes from Bank of America 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 ($725 more in estimated value) than the Bank of America Unlimited Cash Rewards Credit Card's. Get the IHG One Rewards Premier first; revisit the Bank of America Unlimited Cash Rewards Credit Card after you've earned that bonus.
| Feature | Bank of America Unlimited Cash Rewards Credit Card | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | $200 cash rewards | 185,000 bonus points |
| Bonus value (est.) | $200 | $925 |
| Min spend to unlock bonus | $1,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | cashback | hotel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Bank of America Unlimited Cash Rewards Credit Card
$0/yr · $200 cash rewards
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, Bank of America Unlimited Cash Rewards Credit Card or IHG One Rewards Premier?
- The IHG One Rewards Premier has the bigger bonus, 185,000 bonus points, worth roughly $925, versus $200 cash rewards (~$200) on the Bank of America Unlimited Cash Rewards Credit Card.
- Is the Bank of America Unlimited Cash Rewards Credit Card's $0 annual fee worth it compared to the IHG One Rewards Premier?
- The Bank of America Unlimited Cash Rewards Credit Card 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 Bank of America Unlimited Cash Rewards Credit Card.
- Can I have both the Bank of America Unlimited Cash Rewards Credit Card and IHG One Rewards Premier?
- Yes, since they're from different issuers (Bank of America 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 Bank of America Unlimited Cash Rewards Credit Card or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Unlimited Cash Rewards Credit Card: $1,000 spend in 3 months. 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.