Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
All credit cards
Side-by-side
Chase Sapphire Reserve vs IHG One Rewards Premier
Both are well-respected travel cards. The Chase Sapphire Reserve comes from Chase at $795/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 Chase Sapphire Reserve is the stronger pick today — the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the IHG One Rewards Premier's. Get the Chase Sapphire Reserve first; revisit the IHG One Rewards Premier after you've earned that bonus.
| Feature | Chase Sapphire Reserve | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $795 | $99 |
| Sign-up bonus | 125,000 points | 140,000 points |
| Bonus value (est.) | $2,500 | $700 |
| Min spend to unlock bonus | $6,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | hotel |
| Best earning category (Flights) | 10x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
|
|
Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Read the full review
IHG One Rewards Premier
$99/yr · 140,000 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, Chase Sapphire Reserve or IHG One Rewards Premier?
- The Chase Sapphire Reserve has the bigger bonus — 125,000 points, worth roughly $2,500, versus 140,000 points (~$700) on the IHG One Rewards Premier.
- Is the Chase Sapphire Reserve's $795 annual fee worth it compared to the IHG One Rewards Premier?
- Premium cards like the Chase Sapphire Reserve ($795/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The IHG One Rewards Premier at $99/yr trades some perks for a lower commitment.
- Can I have both the Chase Sapphire Reserve and IHG One Rewards Premier?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Chase Sapphire Reserve or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Reserve: $6,000 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.