Ranked #2/225
Ranked #223/225

Snapshot

IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card
Amex Optima Card
Amex Optima Card
IssuerChaseAmerican Express
NetworkMastercardAmerican Express
Card MaterialPlasticPlastic
Annual Fee$99.00$49.00
Base Rate3.00%0.00%
Travel Rewards5.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%2.7%
LifecycleAvailableActive

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate3.0% (base)0.0% (base)
Hotels26.0%0.0% (base)
Travel5.0%0.0% (base)
Restaurants5.0%0.0% (base)
Gas Stations5.0%0.0% (base)
Anniversary Bonus[object Object]None
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.49% - 21.49%14.99% - 14.99%
Cash Advance APR21.74%28.74%
Penalty APR23.24%29.99%
Late Fee$40$40
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalYes-
Baggage Delay--
Baggage Loss--
Cell Phone Protection--
Extended WarrantyYes-
Purchase Protection120 days-
Return Protection--
Trip Cancellation Interruption--
Trip Delay--
Tsa Precheck Global EntryYes-

Usability & Experience

Digital WalletN/AN/A
Instant Card Number--
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard

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