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IHG One Rewards Premier Credit Card vs Southwest Rapid Rewards Plus
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | IHG One Rewards Premier Credit CardChase | Southwest Rapid Rewards PlusChase |
|---|---|---|
| Rating | 4.2/5 | 4.2/5 |
| Annual Fee | $99 | $69 |
| APR | 19.49% - 27.99% | 19.49% - 27.99% |
| Signup Bonus | 175,000 bonus points after spending $5,000 in 3 months (limited-time) | 40,000 points plus Companion Pass after spending $5,000 in 3 months |
| Rewards Rate | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else | 2X on Southwest purchases, Rapid Rewards hotel/car partners, and local transit & commuting, 1X on everything else |
| Credit Score | good | good |
| Pros | 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 | Companion Pass with signup bonus — a friend flies free on every trip Low $69 annual fee for an airline card 25% back on in-flight purchases and 2 free checked bags (Southwest standard) |
| Cons | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests | Companion Pass from signup is limited-time offer Southwest flies domestically only (no international routes) 2X earn rate limited to Southwest and partner purchases |
| View Details → | View Details → |
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Verdict
Our Pick: IHG One Rewards Premier Credit Card
Both cards tie at 4.2/5, but 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.