IHG Premier vs United Club
IHG Premier
$99/yr
6.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
IHG Premier charges $99/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. IHG Premier offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
IHG Premier
Lower annual fee ($99 vs $695)
Rewards Earning
IHG Premier
6 earning categories
Benefits & Protection
IHG Premier
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
IHG Premier wins for most people
The $596 fee difference is hard to justify unless you maximize premium benefits.
Apply for IHG PremierPREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
IHG Premier
| IHG Hotels & Resorts | 10.0X |
| Travel (Chase Travel) | 5.0X |
| Dining | 3.0X |
| Gas stations | 3.0X |
| Groceries | 3.0X |
| Everything else | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |