Head to head

IHG One Rewards Premier Credit Card vs. Apple Card

On the criteria below, IHG One Rewards Premier Credit Card wins 3 of 4. The verdict depends on which criteria matter to you.

IHG One Rewards Premier Credit Card

Chase

Goldman Sachs Bank USA

At a glance

IHG One Rewards Premier Credit Card wins 3 of 4 criteria here, making it the stronger all-rounder.

IHG One Rewards Premier Credit Card wins on first-year math, earning ceiling, and travel insurance; Apple Card wins on annual fee.

Pick the IHG One Rewards Premier Credit Card if year-one math is your priority; take the Apple Card if you want a cheaper card to keep long-term.

3 vs 1

First-year math IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card wins on bonus value minus annual fee.
Annual fee Apple Card

Apple Card is $99 cheaper to keep.
Earning ceiling IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card earns more on its best category (10× vs 3×).
Travel insurance IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card carries built-in travel insurance.

Annual fee: $99; Free
Welcome offer (typical value): $1,295; —
First-year net: +$1,196; +$0
Peak earning rate: 10×; 3×
Top categories: Dining, Gas, Hotels Resorts; Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
Lounge access: No; No
Travel insurance: Yes; No
Elite status: Yes; No
Foreign transaction fee: None; None
Reward currency: IHG One Rewards; Apple Daily Cash

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.