Editorial take: IHG One Rewards Traveler
The 4th-night-free benefit alone makes this a standout, on a 4-night IHG stay, you're effectively getting 25% off. Stack with transfer bonuses from Chase UR for serious savings.
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Side-by-side
IHG One Rewards Traveler vs CitiBusiness / AAdvantage Platinum Select Mastercard
Both are well-respected travel cards. The IHG One Rewards Traveler comes from Chase at $0/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi 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 CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($593 more in estimated value) than the IHG One Rewards Traveler's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the IHG One Rewards Traveler after you've earned that bonus.
| Feature | IHG One Rewards Traveler | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | 80,000 points | 65,000 miles |
| Bonus value (est.) | $480 | $1,073 |
| Min spend to unlock bonus | $2,000 in 3 mo | $4,000 in 4 mo |
| Issuer | Chase | Citi |
| Card category | hotel | travel |
| Best earning category (Ihg) | 17x | 1x |
| Transfer partners | None | aadvantage |
| Headline benefits |
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Read the full review
IHG One Rewards Traveler
$0/yr · 80,000 points
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Traveler or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus 80,000 points (~$480) on the IHG One Rewards Traveler.
- Is the IHG One Rewards Traveler's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
- The IHG One Rewards Traveler has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard's benefits to clear $99 in value annually, it's worth it; otherwise stick with the IHG One Rewards Traveler.
- Can I have both the IHG One Rewards Traveler and CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (Chase and Citi) 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 IHG One Rewards Traveler or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Traveler: $2,000 spend in 3 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 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.