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CardCurator — Rewards Intelligence
Card Comparison

IHG One Rewards Premier Credit Card vs United Explorer

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
United Explorer card art
United MileagePlus
United Explorer
Chase
More Info
Annual Fee
$99/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
175,000 points
Spend $5,000 in 3 months
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
  • United Purchases 2x
  • Restaurant Purchases 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
  • Statement Credit $5
  • Statement Credit $50
  • Statement Credit $50
  • +1 more
Card Perks
  • 4th award night free
  • Platinum Elite Status
  • 2 United Club one-time passes per year
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 United Explorer

Is the IHG One Rewards Premier Credit Card or United Explorer better for dining?

IHG One Rewards Premier Credit Card earns 5x on dining; United Explorer 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). United Explorer offers 85,000 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 United Explorer?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.