The IHG One Rewards Premier Credit Card edges out the The Platinum Card from American Express for most cardholders — it wins on 3 of 4 comparison categories and offers 175,000 pts signup bonus earns more (up to 10x vs 5x). The The Platinum Card from American Express is the better choice if you prioritize a different rewards ecosystem.
IHG One Rewards Premier Credit Card vs The Platinum Card from American Express
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
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.
- IHG Hotels and Resorts 10x
- Travel 5x
- Dining 5x
- Flights (Direct or Amex Travel) 5x
- Prepaid Hotels (Amex Travel) 5x
- All Other Purchases 1x
- Statement Credit $100
- Statement Credit $120
- Statement Credit $50
- Prepaid Hotel Credit $200
- Uber Cash $15
- Airline Fee Credit $200
- +4 more
- 4th award night free
- Platinum Elite Status
- Centurion Lounge Access
- Priority Pass Select
- Delta Sky Club Access
- +6 more
- 100 Statement CreditAfter $20,000 spend
- 10000 pointsAfter $20,000 spend
- Flying Blue
- Delta SkyMiles
- JetBlue TrueBlue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
Quick summary
A short version of the comparison with the main differences at a glance.
The IHG One Rewards Premier Credit Card edges out the The Platinum Card from American Express for most cardholders — it wins on 3 of 4 comparison categories and offers 175,000 pts signup bonus earns more (up to 10x vs 5x). The The Platinum Card from American Express is the better choice if you prioritize a different rewards ecosystem. On raw upside, IHG One Rewards Premier Credit Card tops out at 10x versus 5x for The Platinum Card from American Express. Current signup bonus values are roughly $1225 for IHG One Rewards Premier Credit Card and $35 for The Platinum Card from American Express. Updated May 30, 2026. Source: https://cardcurator.ai/compare/ihg-one-rewards-premier-credit-card-vs-the-platinum-card-from-american-express
- IHG One Rewards Premier Credit Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: IHG One Rewards Premier Credit Card reaches 10x; The Platinum Card from American Express reaches 5x.
- Annual fee: IHG One Rewards Premier Credit Card is $99/yr; The Platinum Card from American Express is $895/yr.
- Current public bonus values are approximately $1225 and $35.
Common Questions: IHG One Rewards Premier Credit Card vs The Platinum Card from American Express
Is the IHG One Rewards Premier Credit Card or The Platinum Card from American Express better for dining?
IHG One Rewards Premier Credit Card earns 5x on dining; The Platinum Card from American Express has no dining bonus.
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). The Platinum Card from American Express offers 175,000 pts signup bonus (spend $12,000 in 6 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 The Platinum Card from American Express?
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 The Platinum Card from American Express is from American Express, so they're governed by separate bank policies.