IHG Premier vs Xbox
IHG Premier
$99/yr
6.0/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
IHG Premier charges $99/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox 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
Xbox
Lower annual fee ($99 vs $0)
Rewards Earning
IHG Premier
6 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Xbox wins for most people
The $99 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM PICK
IHG Premier wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for IHG PremierRewards 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 |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |