Sign-up bonus: The IHG One Rewards Premier Credit Card earns 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. The Chase Sapphire Preferred® Card earns 60,000 bonus points when you spend after you spend $4,000 on purchases in the first 3 months from account opening.

Thanks to all its benefits, we recommend the IHG Premier card over the IHG Traveler card. With a large sign-up bonus, automatic Platinum status and more, the $99 annual fee is well worth the cost. With that being said, the IHG Traveler card is one of the better no-annual-fee cards when it comes to benefits.

The IHG One Rewards Premier Credit Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $2,000, and some cardholders report having limits as high as $31,500.

IHG One Rewards Traveler Credit Card Get more from your everyday spending with rewards that pay you back with every purchase. Welcome offer: earn 80,000 bonus points after spending $2,000 on purchases within 3 months of account opening.

One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.

Diamond Elite Diamond Elite is the highest elite tier in the IHG One Rewards loyalty program. You can earn Diamond Elite status by staying 70 qualified nights or earning 120,000 qualified points in a calendar year. Additionally, you can earn Diamond Elite status through Dec.

This card is not worth it even for people with bad credit due to its extremely high fees. Bottom LineThe First PREMIER Bank Mastercard is a bad deal, even for people with “bad” credit.

Rates and fees PREMIER Bankcard has a high APR and costly fees, making it one of the more expensive credit cards for people with poor credit. The APR for purchases and cash advances is a whopping 36 percent, which is more than double the current average interest rate for credit cards.

The highest elite status level within IHG One Rewards is Diamond Elite status.

• Members achieve IHG Diamond status based on their points earned, nightly stays or credit card spending each year.
• To understand if earning IHG Diamond is for you, let's look at the benefits, how to earn elite status and how much it is worth.

Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases. If you stay at IHG properties even just a few times a year, the IHG One Rewards Premier Credit Card is a great way to save money on your hotel stays and enjoy extra benefits.

Member Enrollment: There is no fee to join IHG One Rewards. New Members may enroll in the Program by completing the required information on the Program website, through IHG branded hotels, the IHG One Rewards App or other channels authorized by IHG.

Benefits unique to the IHG® One Rewards Premier Credit Card The IHG® One Rewards Premier Credit Card includes an annual free night just for renewing the card each year. The free night certificate can be redeemed at any IHG brand hotel as long as the reward night costs 40,000 points or less.