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.
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Side-by-side
IHG One Rewards Premier vs Southwest Rapid Rewards Priority
Both are well-respected travel cards. The IHG One Rewards Premier comes from Chase at $99/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | IHG One Rewards Premier | Southwest Rapid Rewards Priority |
|---|---|---|
| Annual fee | $99 | $229 |
| Sign-up bonus | 185,000 bonus points | 90,000 points |
| Bonus value (est.) | $925 | $840 |
| Min spend to unlock bonus | $3,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | hotel | airline |
| Best earning category (Ihg) | 10x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 90,000 points
Editorial take: Southwest Rapid Rewards Priority
If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier or Southwest Rapid Rewards Priority?
- The IHG One Rewards Premier has the bigger bonus, 185,000 bonus points, worth roughly $925, versus 90,000 points (~$840) on the Southwest Rapid Rewards Priority.
- Is the IHG One Rewards Premier's $99 annual fee worth it compared to the Southwest Rapid Rewards Priority?
- 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 Southwest Rapid Rewards Priority's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier and Southwest Rapid Rewards Priority?
- 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 IHG One Rewards Premier or the Southwest Rapid Rewards Priority first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier: $3,000 spend in 3 months. Southwest Rapid Rewards Priority: $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.