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CardCurator — Rewards Intelligence
Card Comparison

American Express Gold Card vs IHG One Rewards Premier Credit Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

American Express Gold Card card art
American Express Membership Rewards
American Express Gold Card
American Express
More Info
IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
Annual Fee
$325/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
90,000 points
Spend $6,000 in 6 months
175,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Restaurants (Worldwide) 4x
  • U.S. Supermarkets 4x
  • Flights (Direct or Amex Travel) 3x
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
Reward Type
miles
miles
Key Credits
  • Uber Cash $10
  • Dining Credit $10
  • Resy Credit $100
  • +1 more
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
Card Perks
  • The Hotel Collection Access
  • Baggage Insurance Plan
  • Trip Delay Insurance
  • 4th award night free
  • Platinum Elite Status
Spend Milestones
No milestones
  • 100 Statement Credit
    After $20,000 spend
  • 10000 points
    After $20,000 spend
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
No transfer partners
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Common Questions: American Express Gold Card vs IHG One Rewards Premier Credit Card

Is the American Express Gold Card or IHG One Rewards Premier Credit Card better for dining?

American Express Gold Card earns 4x on dining; IHG One Rewards Premier Credit Card earns 5x on dining. IHG One Rewards Premier Credit Card wins for dining.

Which has the higher signup bonus in 2026?

American Express Gold Card currently offers 90,000 pts signup bonus (spend $6,000 in 6 months). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 months). American Express Gold Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the American Express Gold Card and the IHG One Rewards Premier Credit Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Gold Card is from American Express and IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.