First-year winner
IHG One Rewards Premier Credit Card
$1,614 Year 1 edge
$2,688 vs $1,075
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
IHG One Rewards Premier Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
IHG Award-Night Perks
Other · No listed cash value
IHG co-brand cards are built around hotel-program value such as elite-style perks and award-night enhancements on eligible stays.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Card B
JetBlue Plus Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
JetBlue Travel Perks
Other · No listed cash value
JetBlue co-brand cards are centered on TrueBlue value, airline savings, and cardholder-only travel perks on eligible itineraries.
Perk
In-Flight Savings
Other · No listed cash value
JetBlue cardholders commonly get airline-linked savings or bonus value on eligible in-flight purchases and JetBlue bookings.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Verdict
IHG One Rewards Premier wins year 1 and long term.
Winner after year 1
IHG One Rewards Premier Credit Card
$814 ongoing edge
$1,288 vs $475
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Chase
IHG One Rewards Premier Credit Card
Year One
$2,688
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$1,288
Annual rewards + counted benefits - fee
Annual Rewards
$1,387
4.76% effective return
Welcome Offer
$1,400
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$3,000
3 mo window · $1,000/mo pace · Comfortable
Why it wins
- • Comes with a particularly strong welcome offer.
- • Earns well on the spend mix you entered.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Barclays
JetBlue Plus Card
Year One
$1,075
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$475
Annual rewards + counted benefits - fee
Annual Rewards
$574
1.97% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$1,000
3 mo window · $333/mo pace · Comfortable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
5x
$5,400
IHG One Rewards Premier
$270
5.00%
JetBlue Plus
$108
2.00%
Groceries
5x
$7,800
IHG One Rewards Premier
$390
5.00%
JetBlue Plus
$156
2.00%
Travel
10x
$3,000
IHG One Rewards Premier
$300
10.00%
JetBlue Plus
$180
6.00%
Gas
5x
$1,920
IHG One Rewards Premier
$96
5.00%
JetBlue Plus
$19
1.00%
General
3x
$11,040
IHG One Rewards Premier
$331
3.00%
JetBlue Plus
$110
1.00%
Total annual spend
$29,160 across this mix
IHG One Rewards Premier$1,387
JetBlue Plus$574
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | IHG One Rewards Premier Credit Card | JetBlue Plus Card |
|---|---|---|
| Costs | ||
| Annual fee | $99 | $99 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 5x | 2x |
| Gas rewards | 5x | — |
| Groceries rewards | 5x | 2x |
| Travel rewards | 10x 10x points on eligible IHG hotel purchases. | 6x 6x points on eligible JetBlue purchases. |
| All rewards | 3x | 1x |
| Offer | ||
| Welcome offer | 140,000 bonus points Spend $3,000 in 3 mo | 60,000 bonus points Spend $1,000 in 3 mo |
| Benefits | ||
| Estimated benefits | 3 listed | 4 listed |
| Benefit highlights | IHG Award-Night Perks · No Foreign Transaction Fees · Travel Rewards Ecosystem | JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | mastercard | mastercard |
| Reward type | Points | Points |
Costs
Annual fee
IHG One Rewards Premier Credit Card
$99
JetBlue Plus Card
$99
Foreign transaction fee
IHG One Rewards Premier Credit Card
None
JetBlue Plus Card
None
Rewards
Dining rewards
IHG One Rewards Premier Credit Card
5x
JetBlue Plus Card
2x
Gas rewards
IHG One Rewards Premier Credit Card
5x
JetBlue Plus Card
—
Groceries rewards
IHG One Rewards Premier Credit Card
5x
JetBlue Plus Card
2x
Travel rewards
IHG One Rewards Premier Credit Card
10x
10x points on eligible IHG hotel purchases.
JetBlue Plus Card
6x
6x points on eligible JetBlue purchases.
All rewards
IHG One Rewards Premier Credit Card
3x
JetBlue Plus Card
1x
Offer
Welcome offer
IHG One Rewards Premier Credit Card
140,000 bonus points
Spend $3,000 in 3 mo
JetBlue Plus Card
60,000 bonus points
Spend $1,000 in 3 mo
Benefits
Estimated benefits
IHG One Rewards Premier Credit Card
3 listed
JetBlue Plus Card
4 listed
Benefit highlights
IHG One Rewards Premier Credit Card
IHG Award-Night Perks · No Foreign Transaction Fees · Travel Rewards Ecosystem
JetBlue Plus Card
JetBlue Travel Perks · In-Flight Savings · No Foreign Transaction Fees · +1 more
Profile
Credit needed
IHG One Rewards Premier Credit Card
Good
JetBlue Plus Card
Good
Network
IHG One Rewards Premier Credit Card
mastercard
JetBlue Plus Card
mastercard
Reward type
IHG One Rewards Premier Credit Card
Points
JetBlue Plus Card
Points