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Discover it Miles vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it MilesDiscover | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 4.2/5 | 4.2/5 |
| Annual Fee | $0 | $99 |
| APR | 17.49% - 26.49% | 19.49% - 27.99% |
| Signup Bonus | Unlimited Mile-for-Mile match for all miles earned in first year | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| Rewards Rate | 1.5X miles on every purchase | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else |
| Credit Score | good | good |
| Pros | First-year Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers | 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 | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks | 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: Discover it Miles
Both cards tie at 4.2/5, but No annual fee makes it easy to justify. The Discover it Miles is a simple, no-fee travel card that shines in year one thanks to the Miles Match. Earn effectively 3X on everything for 12 months, then a solid 1.5X ongoing. Great for new cardholders who want travel flexibility.