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 U.S. Bank Shopper Cash Rewards Visa Signature Card
Both are well-respected travel cards. The IHG One Rewards Premier comes from Chase at $99/yr; the U.S. Bank Shopper Cash Rewards Visa Signature Card from U.S. Bank at $95/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 ($675 more in estimated value) than the U.S. Bank Shopper Cash Rewards Visa Signature Card's. Get the IHG One Rewards Premier first; revisit the U.S. Bank Shopper Cash Rewards Visa Signature Card after you've earned that bonus.
| Feature | IHG One Rewards Premier | U.S. Bank Shopper Cash Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $99 | $95 |
| Sign-up bonus | 185,000 bonus points | $250 cash back bonus |
| Bonus value (est.) | $925 | $250 |
| Min spend to unlock bonus | $3,000 in 3 mo | $2,000 in 4 mo |
| Issuer | Chase | U.S. Bank |
| Card category | hotel | cashback |
| 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
U.S. Bank Shopper Cash Rewards Visa Signature Card
$95/yr · $250 cash back bonus
Editorial take: U.S. Bank Shopper Cash Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier or U.S. Bank Shopper Cash Rewards Visa Signature Card?
- The IHG One Rewards Premier has the bigger bonus, 185,000 bonus points, worth roughly $925, versus $250 cash back bonus (~$250) on the U.S. Bank Shopper Cash Rewards Visa Signature Card.
- Is the IHG One Rewards Premier's $99 annual fee worth it compared to the U.S. Bank Shopper Cash Rewards Visa Signature Card?
- 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 U.S. Bank Shopper Cash Rewards Visa Signature Card's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier and U.S. Bank Shopper Cash Rewards Visa Signature Card?
- Yes, since they're from different issuers (Chase and U.S. Bank) 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 U.S. Bank Shopper Cash Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier: $3,000 spend in 3 months. U.S. Bank Shopper Cash Rewards Visa Signature Card: $2,000 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.