New: Compare up to 3 cards side-by-side instantly Compare now →
IHG One Rewards Premier Credit Card vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | IHG One Rewards Premier Credit CardChase | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.2/5 | 4/5 |
| Annual Fee | $99 | $0 |
| APR | 19.49% - 27.99% | 17.49% - 28.24% |
| Signup Bonus | 175,000 bonus points after spending $5,000 in 3 months (limited-time) | None |
| Rewards Rate | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| 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 | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
[ 02 / 02 ]
·
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 Wells Fargo Reflect Card (4/5). 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.