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.
All credit cards
Side-by-side
IHG One Rewards Premier vs Mission Lane Cash Back Visa (Silver Line Visa)
Both are well-respected travel cards. The IHG One Rewards Premier comes from Chase at $99/yr; the Mission Lane Cash Back Visa (Silver Line Visa) from Mission Lane at $0/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 Mission Lane Cash Back Visa (Silver Line Visa)'s. Get the IHG One Rewards Premier first; revisit the Mission Lane Cash Back Visa (Silver Line Visa) after you've earned that bonus.
| Feature | IHG One Rewards Premier | Mission Lane Cash Back Visa (Silver Line Visa) |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 185,000 bonus points | None |
| Bonus value (est.) | $925 | $0 |
| Min spend to unlock bonus | $3,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Mission Lane |
| Card category | hotel | credit-builder |
| Best earning category (Ihg) | 10x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Read the full review
Mission Lane Cash Back Visa (Silver Line Visa)
$0/yr · None
Editorial take: Mission Lane Cash Back Visa (Silver Line Visa)
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier or Mission Lane Cash Back Visa (Silver Line Visa)?
- The IHG One Rewards Premier has the bigger bonus, 185,000 bonus points, worth roughly $925, versus None (~$0) on the Mission Lane Cash Back Visa (Silver Line Visa).
- Is the IHG One Rewards Premier's $99 annual fee worth it compared to the Mission Lane Cash Back Visa (Silver Line Visa)?
- At $99/yr, the IHG One Rewards Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Mission Lane Cash Back Visa (Silver Line Visa)'s, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier and Mission Lane Cash Back Visa (Silver Line Visa)?
- Yes, since they're from different issuers (Chase and Mission Lane) 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 Premier or the Mission Lane Cash Back Visa (Silver Line Visa) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier: $3,000 spend in 3 months. Mission Lane Cash Back Visa (Silver Line Visa): $0 in 0 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.