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IHG One Rewards Premier Credit Card vs U.S. Bank Smartly Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | IHG One Rewards Premier Credit CardChase | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.2/5 | 4.2/5 |
| Annual Fee | $99 | $0 |
| APR | 19.49% - 27.99% | 17.49% - 27.49% |
| Signup Bonus | 175,000 bonus points after spending $5,000 in 3 months (limited-time) | None publicly listed |
| Rewards Rate | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| 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 | 2% unlimited cash back with no annual fee — matches Citi Double Cash Up to 4% back with qualifying U.S. Bank Smartly Savings balance 0% intro APR for 15 billing cycles on purchases and balance transfers |
| Cons | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests | Best rates (3-4%) require U.S. Bank banking relationship with large balances No signup bonus publicly listed Limited to U.S. Bank ecosystem for maximum value |
| 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.