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CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs IHG One Rewards Premier Credit Card

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

Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
Annual Fee
$150/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
175,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
Reward Type
cashback
miles
Key Credits
None
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
Card Perks
None listed
  • 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
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
No transfer partners
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Common Questions: Capital One Spark Cash Plus vs IHG One Rewards Premier Credit Card

Is the Capital One Spark Cash Plus or IHG One Rewards Premier Credit Card better for dining?

Capital One Spark Cash Plus has no dining bonus; IHG One Rewards Premier Credit Card earns 5x on dining.

Which has the higher signup bonus in 2026?

Capital One Spark Cash Plus currently offers 200,000 pts signup bonus (spend $30,000 in 3 months). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 months). Capital One Spark Cash Plus 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 Capital One Spark Cash Plus 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. Capital One Spark Cash Plus is from Capital One and IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.