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Compare the Features and Benefits of IHG One Rewards Traveler Credit Card and
The Platinum Card® from American Express

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Secondary Car Rental CDW Waiver
Grants Hotel Status
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Free Access to Credit Score
Travel and Emergency Assistance Services
No Fees for Authorized Users
Airport Lounge Access
Annual Statement Credits
Grants Car Rental Status
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Return Protection
Cell Phone Protection
Has No Preset Spending Limit
Concierge Services
Metal Card
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Hotels

At IHG brand hotels and resorts booked directly; otherwise earn 2X.

3x Cable / Internet / VOIP Phone
3x Gas Stations
3x Cellular Phone Service
3x Dining Out / Food Delivery
3x Streaming Services
2x Everything Else
Avg. Point Value
(Learn More)
$0.004
Bonus Offer
Limited Time Offer: Earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.95) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The IHG Rewards Traveler Credit Card is IHG’s no-annual-fee credit card. As such, it doesn’t offer the excellent perks that come with the IHG Premier Credit Card — like a free night each account anniversary, automatic Platinum Elite status, and other travel perks.

However, the IHG Traveler Card still offers surprisingly good benefits for a no-annual-fee card. You’ll get IHG Rewards’ intro level Silver Elite status, fourth night free on rewards stays, and a 20% discount on purchases of IHG Rewards points.

Screenshot showing IHG card benefit of 20% discount on purchases of IHG Rewards points.

Silver Elite status doesn’t offer too many perks — 20% bonus points at IHG hotels and resorts, a shot at late checkout, and not having to worry about point expiration. Cardholders can spend $20,000 in a calendar year to upgrade to Gold Elite status. Gold Elite status includes 40% bonus points at IHG hotels and resorts.

In addition to the sign-up bonus, IHG Rewards Traveler Credit Card cardholders will earn bonus points on IHG hotel stays, dining, gas stations, select streaming services, and utility monthly bills. Cardholders earn 2 points per dollar spent on all other eligible purchases. Considering the IHG Rewards point value is only around 0.4 cents per point, that’s not the best possible return on your other purchases.

So, you might just want to limit using your IHG Traveler Card to IHG hotels and resorts. By charging IHG hotel stays to their IHG Traveler Card, cardholders will earn a total of at least 17 points per dollar spent:

  • 5 points per dollar spent by charging the IHG hotel stay to their IHG Traveler Card
  • 10 points per dollar spent as an IHG Rewards member.
  • 2 bonus points per dollar spent at as Silver Elite (or more if you have a higher tier of IHG Rewards elite status)

For those unfamiliar, the IHG Rewards loyalty program includes a wide range of hotel brands. On the luxury side, you can earn and redeem IHG points at InterContinental Hotels, Kimpton, Hotel Indigo, Six Senses, and Regent Hotels. On the flip side, you can earn and redeem IHG points for stays at Holiday Inn Express, Holiday Inn, Holiday Inn Club Vacations, Candlewood Suites, and Staybridge Suites. That range of earning and redemption options is truly impressive.

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Airport Lounge Access
no
Annual Statement Credits
no
Grants Car Rental Status
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Return Protection
no
Cell Phone Protection
no
Has No Preset Spending Limit
no
Concierge Services
no
Metal Card
no
Annual Fee
$695 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
See Pay Over Time APR
Balance transfers fees
-
Best Multiplier
5x Airfare

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5x Hotels

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

In many ways, the American Express Platinum card is the crème de la crème of premium travel rewards credit cards. There are not only a laundry list of embedded perks — from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection — but this card also can provide serious value in the form of statement credits with partner merchants. You can see the full list of benefits above.

Truth be told, it may require some work to fully maximize the card’s many perks but it shouldn’t be difficult to recoup at least some, if not all, of the card’s $695 annual fee (Rates and Fees).

An overhaul of the Platinum in 2021 showed Amex wanted to expand this card well beyond travel. While it’s unlikely the Platinum will ever fully shed its decades-long roots in the travel sphere, Amex also hopes to play a role at the top of your wallet whether you are at home or away.

Of course, on the travel front, the card still earns 5X on airfare purchased directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year), 5X on prepaid hotels, provides the most access to lounges of any card issuer, and has built-in travel protections and elite-status perks. This is on top of all the other relatively-recent lifestyle benefit additions — from Uber credits, Equinox credits, preferred restaurant reservations with Resy, and much, much more.

airfare-the-platinum-card-from-american-express

 

A few notes you need to know:

Amex now has language restricting you from getting the bonus on this Card if you have or have had this card OR have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards.

Additional Platinum cards are $195 each.

If you want an Authorized User card with none of the benefits, that is still available as the “Companion Platinum Card.” They will simply be able to make charges that post to your account.

Bottom Line:

While the Platinum is a solid choice for most cardholders looking to level up their travel experience, consider other options from both Chase and Capital One including the $550-per-year Chase Sapphire Reserve and $395-per-year Capital One Venture X credit card.

Rates and Fees for the The Platinum Card® from American Express

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
no
Free Access to Credit Score
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
Airport Lounge Access
yes
Annual Statement Credits
yes
Grants Car Rental Status
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Return Protection
yes
Cell Phone Protection
yes
Has No Preset Spending Limit
yes
Concierge Services
yes
Metal Card
yes

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