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IHG Premier vs Hyatt

Up to three cards side by side, most decisive first. Open any section for the detail.

Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

IHG One Rewards Premier Card card art
IHG Premier 1 of 2
World of Hyatt Card card art
Hyatt 2 of 2
Comparing 2 cards
IHG One Rewards Premier Card card art
Chase
IHG Premier
Apply Details
World of Hyatt Card card art
Chase
Hyatt
Apply Details
Cost and value $150 fee$95 fee
Annual fee
$150 Best: Hyatt
$95 Best
Credits you can use a year, if you use every one
$275 Best
$40 Best: IHG Premier
Fee after credits
$125 back Best credits beat the fee
$55 a year net cost Best: IHG Premier
Point value per point or mile
0.60¢ Estimate Best: Hyatt
1.65¢ Best Estimate
Rewards currency
IHG One Rewards points
World of Hyatt points
Foreign transaction fee
None
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 180,000 points, about $1,08060,000 points, about $990
Bonus
180,000 points + 10,000 bonus points for adding an authorized user
60,000 points
Estimated value
$1,080 Best for the points
$990 Best: IHG Premier
Spend to earn it less a month is easier
$3,000 in 90 days about $1,000 a month
$3,000 in 90 days about $1,000 a month
Earning rates Top rate 10xTop rate 4x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
5x about 3.0% back Best: Hyatt
2x Best about 3.3% back
Groceries
5x Best about 3.0% back
1x about 1.6% back, the everything-else rate Best: IHG Premier
Flights
5x Best about 3.0% back
1x about 1.6% back, the everything-else rate Best: IHG Premier
Hotels
5x Best about 3.0% back
1x about 1.6% back, the everything-else rate Best: IHG Premier
Travel (ground only)
5x Best about 3.0% back
1x about 1.6% back, the everything-else rate Best: IHG Premier
Gas
5x Best about 3.0% back
1x about 1.6% back, the everything-else rate Best: IHG Premier
Transit / Rideshare
5x about 3.0% back Best: Hyatt
2x Best about 3.3% back
Everything else
3x Best about 1.8% back
1x about 1.6% back Best: IHG Premier
Only on this card
  • 10x Hotels
  • 5x Car rentals and cruises
  • 4x Hotels
  • 2x Fitness club and gym memberships
Statement credits $275 a year$40 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fee.

None
Dining and delivery
  • $120 a year $10 every month
    What counts

    One-year complimentary DashPass by DoorDash ($120/year value) providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders; auto-enrolls at current monthly rate after the complimentary period. Activate by Dec 31, 2027.

  • $40 a year $10 every 3 months
    What counts

    Once DashPass is activated, receive up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter through Dec 31, 2027.

Travel booking
  • $100 a year $25 every 3 months
    What counts

    $25 Food and Beverage Reward voucher each calendar quarter (up to $100 per calendar year) to use toward food and beverage charges on your room bill at participating IHG Hotels & Resorts.

  • $25 a year resets every year
    What counts

    Receive $25 United TravelBank Cash deposited around January 5 and another $25 around July 5 each year (up to $50 annually) after registering with MileagePlus account.

  • $100 per use after $250 spend
    What counts

    $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27.

None
Monthly credits to track fewer is less work
1 Best: Hyatt
0 Best
Certificates and passes 1 free night, about $240 a year1 free night + 1 with spend, about $288 a year
Capped free nights are valued at their points cap and our points valuation; other values are our estimate of what the certificate typically saves. Certificates expire, so their value depends on using them in time.
Free nights
  • Anniversary Free Night, up to 40,000 points Points can be added to book above the cap, each card year, about $240 a year
  • Free Night Award Category 1-4 hotels, each card year, about $288 a year
  • Free Night Award after $15,000 spend Category 1-4 hotels
Yearly value certificates that arrive each card year
about $240 Best: Hyatt
about $288 Best
Transfer partners No transfersNo transfers
Partners
None
None
Alliance reach
None
None
Status, lounges and travel IHG One Rewards Gold EliteWorld of Hyatt Discoverist
Elite status
  • IHG One Rewards: Gold Elite
  • World of Hyatt: Discoverist
Other status perks
  • Each calendar year you make purchases totaling $40,000 or more, you qualify for IHG One Rewards Diamond Elite Status through December 31 of the following year.
  • Qualify for IHG One Rewards Platinum Elite Status through December 31 of the following year after spending $15,000 or more on purchases each calendar year.
  • Earn an additional 5 Elite Night Credits (ENC) after spending $15,000 on purchases each calendar year, in addition to the 2 ENC earned per $5,000 spent.
  • Earn 2 Elite Night Credits (ENC) for every $5,000 spent on purchases with your Premier Card; no limit on total ENC earned.
  • Automatic 15 Elite Night Credits (ENC) deposited upon account opening and then at the start of each calendar year, counting toward IHG elite status and Milestone Rewards.
  • Earn 2 additional World of Hyatt Tier-Qualifying Night credits for every $5,000 in purchases, with no limit to the number that can be earned.
  • Primary cardmember receives 5 World of Hyatt Tier-Qualifying Night credits each calendar year toward elite status.
Travel benefits
  • When redeeming points for 4+ consecutive nights at the same IHG hotel, the 4th Reward Night is free.
  • Complimentary Visa Signature Concierge Service 24 hours a day for finding tickets, dinner reservations, and gift assistance.
Protection and insurance 4 coveragesNone listed
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Not listed
Baggage
  • Reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Not listed
Purchase protection
  • Covers eligible new purchases for 120 days against damage or theft, up to $500 per item.
Not listed
Other coverage
  • Reimbursement up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses if a trip is canceled or cut short.
  • Earn 15,000 bonus points after you spend $15,000 on purchases each calendar year.
Not listed
Lifestyle and other perks 4 perks1 perk
Lifestyle and entertainment
  • DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
  • Get 12 months of complimentary DashPass for use on DoorDash and Caviar when activated between 02/01/2025 and 12/31/2027; after that, auto-enrolled at the then-current monthly rate.
Other perks
  • Complimentary 3-month Instacart+ membership after activation; auto-renews at $99/yr after. $99
  • Receive a monthly $10 Instacart credit, up to $120 annually, requiring an active Instacart+ membership; benefits end 12/31/27.
  • Save 20% when purchasing IHG One Rewards points with this credit card.
None
Authorized users FreeFree
Cost
Authorized users are free.
Authorized users are free.
Each one gets
  • Baggage delay insurance
  • Complimentary DashPass membership
  • Lost luggage reimbursement
  • Purchase protection
  • Trip cancellation and interruption insurance
  • Complimentary DashPass membership
Application rules 5/245/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Not listed
Card type
Personal
Personal