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Apple Card vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 3.8/5 | 4.2/5 |
| Annual Fee | $0 | $99 |
| APR | 17.49% - 27.74% | 19.49% - 27.99% |
| Signup Bonus | None | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else |
| Credit Score | good | good |
| Pros | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | 26X at IHG hotels and 5X on travel, dining, and gas Free night award each anniversary (up to 40,000 points) Automatic IHG Platinum Elite status |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests |
| View Details → | View Details → |
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Verdict
Our Pick: IHG One Rewards Premier Credit Card
With a 4.2/5 rating, the IHG One Rewards Premier Credit Card edges out the Apple Card (3.8/5). At $99/yr, the value proposition is strong. The IHG Premier is the best card for IHG loyalists. 26X at IHG properties, Platinum Elite status, and an anniversary free night that covers the $99 fee. The 175K limited-time bonus is exceptional value.