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IHG One Rewards Premier Credit Card vs UnitedSM Explorer Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | ||
Card Type Data: 2/2 cards | travel | travel |
Card Tier Data: 2/2 cards | Mid Tier | Mid Tier |
Credit Score | Excellent(750+) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $99 | $150 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.24% – 27.74% | 19.74% – 28.24% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 140,000 points | Earn 50,000 miles |
Bonus Value | $1,400 | $500 |
Reward Rate Data: 2/2 cards | 10x pts on stays at ihg hotels and resorts | 9x miles on united flights |
Reward Program Data: 2/2 cards | IHG One Rewards | United MileagePlus |
| Earning Rates | ||
| All other purchases | — | 1x miles |
| Dining | — | 2x milesIncluding eligible delivery services. |
| Hotel stays | — | 2x milesWhen booked directly with the hotel. |
| Other eligible United purchases | — | 3x miles |
| United flights | — | 9x miles6x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 3x miles on entire United purchase with United Explorer Card. |
| all other purchases | 3x pts | — |
| dining | 5x pts | — |
| gas stations | 5x pts | — |
| stays at IHG Hotels and Resorts | 10x ptsEarned as a card purchase multiplier; note that you can reach up to 26X total points when combined with member status multipliers. | — |
| travel | 5x pts | — |
| Benefits | ||
Key Benefits |
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