Credit Cards » Credit Card Reviews » IHG One Rewards Premier Credit Card Review 2024
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IHG One Rewards Premier Credit Card Review 2024

Certainly designed for loyal IHG customers, the IHG One Rewards Premier offers a high point rewards ratio and surprising benefits
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

Rewards Plan

1X – 10X 10 IHG Rewards points per dollar spent on hotel stays with the IHG brand when you pay with your credit card, 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants and point per $1 spent on all other purchases

Sign up Bonus

140,000 Points 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

Our Rating

4.2
4.2/5

0% Intro

N/A

Annual Fee

$99

APR

20.74% – 27.74% Variable
IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

Rewards Plan

1X – 10X


10 IHG Rewards points per dollar spent on hotel stays with the IHG brand when you pay with your credit card, 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants and point per $1 spent on all other purchases

Sign up Bonus

140,000 Points


140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

Our Rating

4.2
4.2/5

PROS

CONS

APR

20.74% - 27.74% Variable

Annual Fee

$99

0% Intro

N/A

Credit Requirements

Good - Excellent

The IHG One Rewards Premier Credit Card has a great rewards rate on all IHG purchases, as well as other fantastic benefits for frequent IHG customers. IHG is the owner of a large group of hotels, including Holiday Inn, Crowne Plaza, StayBridge Suites, and others

IHG offers 10 IHG Rewards points per dollar spent on hotel stays with the IHG brand when you pay with your credit card, 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants and point per $1 spent on all other purchases.  As a sign-up bonus, you'll earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

Cardholders automatically attain Platinum Elite status, benefiting from room upgrades, welcome amenities, and a 60% bonus on paid stays. A unique feature is the fourth-night-free reward, allowing cardholders to pay zero points for every fourth night during four-night or longer award stays.

IHG One Rewards Premier cardholders also enjoy various general benefits like rental car insurance, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance, purchase protection, and extended warranty protection.

However, the card charges $99 as an annual fee, and individuals seeking more flexibility may consider a general-purpose travel rewards card.

What Purchases Don't Earn Points?

The IHG Rewards Club Premier card has a tiered reward structure, which means that you can earn points on practically any purchase. There are some exceptions, which are not uncommon across all credit card providers.

This includes cash equivalent purchases such as gift cards and topping up pre paid cards, interest fees and other similar charges.

How Much Are 10,000 Miles/Points Worth?

The points value for the IHG program can fluctuate in value depending on how you redeem them. Some hotel deals will cost more according to the cash value, demand and other factors.

Typically, you can expect a redemption value of $0.005 per point. This means that if you have 10,000 points, they will be worth approximately $50.

How's the IHG Hotel Network?

IHG has over 6,000 hotel locations across 100 countries. Here in the US, there are over 3,800 hotels and resort locations. This means that it should be quite easy to find an IHG location wherever you’re traveling.

When Should You Consider It?

As an IHG branded card, the card rewards are heavily weighted towards IHG stays and purchases with up to 25 points per dollar. So, if you’re brand loyal to IHG when you travel and want to still enjoy rewards for other purchases, this is a good card choice.

When Shouldn't You Consider It?

If you’re not particularly brand loyal to IHG and don’t have strong preferences about which hotel chain you use, there are other travel cards that have general categories, which can provide decent rewards.

These cards typically have a tiered structure, so you can also earn decent rewards on your everyday purchases.

Book Crowne Plaze hotel with points , IHG subsidiary
Book Crowne Plaze hotel with points , IHG subsidiary (screenshot taken by our team from IHG app)

In This Review..

Pros & Cons

Let's explore the advantages and disadvantages of the IHG One Rewards Premier Card to determine its suitability for your financial needs.

Pros
Cons
Even More Points Rewards on IGH Purchases
Specific to IHG Brand
Sign-up Bonus
Annual Fee
Fourth-Night-Free Reward
Not For Everyday Purchases
Many Hotels to Choose From
IHG Redemption Limitations
Automatic Platinum Status

When you use your IHG One Rewards Premier Credit Card on any IHG purchase, you’ll earn 10 IHG Rewards points per dollar spent on hotel stays with the IHG brand when you pay with your credit card, 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants and point per $1 spent on all other purchases.

You’ll net 25 IHG Rewards points per dollar spent on purchases at IHG hotels. This point earning breaks down as follows:

  • 10 IHG Rewards points per dollar for paying with your credit card
  • 10 IHG Rewards points per dollar as an IHG One Rewards Member
  • 6 IHG Rewards points per dollar for being a Platinum Elite member

When you apply and get approved for an IHG One Rewards Premier Credit Card, you automatically get 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. 

Automatic Platinum Elite status as long as you're an IHG Premier cardholder, providing perks like room upgrades, welcome amenities, and a 60% bonus on paid stays.

IHG platinum elite status benefits
IHG platinum elite status benefits (screenshot taken by our team from IHG app)

Unique benefit allowing cardholders to pay zero points for every fourth night during award stays of four nights or longer, maximizing the value of IHG points.

IHG is the owner of a large group of hotels, including Holiday Inn, Crowne Plaza, StayBridge Suites, and others. 

This gives the card holder any different options when looking at hotels, and also gives them the freedom to stay in more places, as each hotel chain adds more locations than if it were just one single chain.

The card's benefits are primarily focused on IHG properties, making it less versatile for those seeking a broader range of hotel options.

IHG hotel chain

This card does have an annual fee of $99 , with a variable APR of 20.74% – 27.74% Variable. 

You will also need good/excellent standing credit to have a chance at getting approved for the card.

When the card does offer great perks for IHG purchases, the everyday purchases are average at best. 

IHG Rewards uses dynamic award pricing, which may limit redemption options for luxury properties, and some travelers find the program weak for award night availability due to potential limitations by hotels.

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
155,000 points 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
155,000 points 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

What Can You Do With IHG Points Rewards?

IHG Rewards points can be used for a variety of redemptions within the IHG hotel portfolio. Here are some key ways to use IHG Rewards points:

  • Hotel Stays: The primary and most common use of IHG Rewards points is for free hotel stays. Points can be redeemed for standard rooms, suites, or even for Points & Cash bookings, where you use a combination of points and cash to book a room.

  • Points & Cash: IHG allows you to use a combination of points and cash to book a hotel room. This can be a good option if you want to stretch your points further or if you don't have enough points for a full redemption.

  • Transfer to Airlines: While not as versatile as some other loyalty programs, IHG Rewards points can be transferred to a variety of airline partners. However, the transfer ratios are not always favorable, so this option may not provide the best value.

  • Gift Cards: IHG offers the option to redeem points for gift cards from various retailers. However, the value per point for gift cards may not be as high as for hotel stays.

redeem IHG points for hotel stay
Redeem IHG points for hotel stay (screenshot taken by our team from IHG app)

How It Compared To Other IHG Cards?

The IHG Rewards Premier Credit Card and the IHG Rewards Traveler Credit Card cater to different needs within the IHG loyalty program. While both cards offer points for IHG hotel stays, they differ in terms of benefits and annual fees.

The IHG Rewards Traveler Credit Card has no annual fee, making it a more budget-friendly option. While it lacks some of the premium benefits of the Premier card, it still offers a solid sign-up bonus and points earning potential, particularly at IHG properties. This card might be a better fit for occasional IHG guests who want to earn points without committing to an annual fee.

On the other hand, the larger sign-up bonus of the IHG Rewards Premier and its elevated points earning at IHG hotels make it an attractive choice for frequent IHG guests. The card also comes with additional travel and purchase protections, adding to its overall value proposition.

Is the IHG One Rewards Premier Card Right for You?

At the end of the day, the IHG One Rewards Premier Credit Card has truly incredible travel rewards that are extremely hard to match when it comes to other travel rewards credit cards. The free nights, sign-up bonus, and platinum status are all exceptional benefits that would please any cardholder.

This card is certainly designed for IHG customers and larger IHG purchases, so if you are looking for a more versatile hotel or travel credit card, then this might not be the rught card for you.

With this being said, this card is certainly designed for IHG customers and larger IHG purchases and the rewards are limited to IHG trips, so someone looking for a rewards card with more rewards options will want to consider other cards.

Compare The Alternatives

There are more hotel cards – here are some good alternatives to the IHG One Rewards Premier card:

World of Hyatt

Marriott Bonvoy Boundless Card review 2019

hilton honors card

World of Hyatt Credit Card
Marriott Bonvoy Boundless® Credit Card
Hilton Honors American Express Card
Annual Fee
$95
$95
$0
Rewards
1X – 4X 4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases
1x – 6X 6X points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome bonus
30,000 points 30,000 points after you spend $3,000 on purchases within the first 3 months of account opening
3 Free Nights 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership
Foreign Transaction Fee
$0
$0.
$0. See Rates and Fees.
Purchase APR
20.99%–27.99% Variable
20.99% – 27.99% Variable
20.99%-29.99% Variable

FAQ

While the IHG One Rewards Premier card does have a number of travel benefits, car rental insurance is not included in the list of perks. This means that even if you pay for your car rental with your card, you’ll not benefit from any supplemental insurance coverage.

The IHG Rewards program has a number of partner brands that allows you to redeem your points for flights. The list of partner airlines includes American Airlines, British Airways, Alaska Airlines, Delta, Emirates, Jet Blue, Qantas, and Virgin Atlantic. However, the point conversion ratio will depend on which partner program you choose.

There is no official guideline of what credit limit you can expect, but many customers have reported an initial credit limit of $2,000. However, if you have good creditworthiness and sufficient income, you may receive a higher initial credit limit

Your points will expire if there is 12 months of no account activity. So, you’ll need to earn points or redeem them at least once per year to avoid your points expiring.

Compare IHG One Rewards Premier Card

In our opinion, the IHG One Rewards Premier wins only if you plan to spend a significant amount on hotels. If not, the differences are minor.

IHG One Rewards Traveler vs. Premier: Side By Side Comparison

Both cards offer similar rewards ratio and hotel perks, so overall it comes down to which hotel chain you like better – IHG or Marriot?

IHG One Rewards Premier vs. Marriott Bonvoy Boundless: Side By Side Comparison

With this hotel rewards cards battle, the World of Hyatt Card is our winner as it offers a higher annual cash back for the average consumer

World of Hyatt Card vs IHG One Rewards Premier: Side By Side Comparison

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Review Travel Credit Cards

Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Best Cards Per Category
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
155,000 points 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
155,000 points 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.