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CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Summit vs IHG One Rewards Premier Credit Card

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

Atmos Rewards Summit card art
Atmos Rewards
Atmos Rewards Summit
Bank of America
More Info
IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
Annual Fee
$395/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
175,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
  • All Other Purchases 1x
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
Reward Type
miles
miles
Key Credits
  • Annual Travel Credit $200
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
Card Perks
  • Free checked bag (~$70/yr)
  • 8 Alaska Lounge Passes (~$520/yr)
  • TSA PreCheck® or Global Entry (~$118/yr)
  • +2 more
  • 4th award night free
  • Platinum Elite Status
Spend Milestones
  • 100,000-point Global Companion Award
    After $60,000 spend
  • 100 Statement Credit
    After $20,000 spend
  • 10000 points
    After $20,000 spend
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Atmos Rewards Summit vs IHG One Rewards Premier Credit Card

Is the Atmos Rewards Summit or IHG One Rewards Premier Credit Card better for dining?

Atmos Rewards Summit earns 3x 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?

Atmos Rewards Summit currently offers 100,000 pts signup bonus (spend $6,000 in 3 months). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 months). IHG One Rewards Premier Credit 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 Atmos Rewards Summit 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. Atmos Rewards Summit is from Bank of America and IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.