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CardCurator — Rewards Intelligence
Quick Answer

The IHG One Rewards Premier Credit Card edges out the Royal ONE Plus Visa Signature Credit Card for most cardholders — it wins on 3 of 4 comparison categories and offers 175,000 pts signup bonus earns more (up to 10x vs 4x). The Royal ONE Plus Visa Signature Credit Card is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

IHG One Rewards Premier Credit Card vs Royal ONE Plus Visa Signature Credit Card

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

IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
Royal ONE Plus Visa Signature Credit Card card art
Royal ONE Rewards
Royal ONE Plus Visa Signature Credit Card
Bank of America
More Info

Comparison Method

CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.

How we rank cards Editorial policy Data sources
Annual Fee
$99/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
175,000 points
Spend $5,000 in 3 months
was 140k pts
70,000 points
Spend $3,000 in 3 months
Top Earn Rates
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
  • Royal Caribbean, Celebrity Cruises & Silversea 4x
  • Airlines 2x
  • Hotels 2x
Reward Type
miles
miles
Pts Value
~0.50¢/pt points · industry est.
~1.00¢/pt points · industry est.
Key Credits
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
  • Global Entry or TSA PreCheck Credit $120
Card Perks
  • 4th award night free
  • Platinum Elite Status
None listed
Spend Milestones
  • 100 Statement Credit
    After $20,000 spend
  • 10000 points
    After $20,000 spend
No milestones
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: IHG One Rewards Premier Credit Card vs Royal ONE Plus Visa Signature Credit Card

Is the IHG One Rewards Premier Credit Card or Royal ONE Plus Visa Signature Credit Card better for dining?

IHG One Rewards Premier Credit Card earns 5x on dining; Royal ONE Plus Visa Signature Credit Card earns 2x on dining. IHG One Rewards Premier Credit Card wins for dining.

Which has the higher signup bonus in 2026?

IHG One Rewards Premier Credit Card currently offers 175,000 pts signup bonus (spend $5,000 in 3 months). Royal ONE Plus Visa Signature Credit Card offers 70,000 pts signup bonus (spend $3,000 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 IHG One Rewards Premier Credit Card and the Royal ONE Plus Visa Signature Credit Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. IHG One Rewards Premier Credit Card is from Chase and Royal ONE Plus Visa Signature Credit Card is from Bank of America, so they're governed by separate bank policies.