Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Our score: IHG One Rewards Premier is ahead by 6.2 points. Scores: IHG One Rewards Premier 67.6%, Amex Gold 61.4%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): IHG One Rewards Premier nets $379/yr, Amex Gold nets $229/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feePremier: 5.0 · Gold: 5.0
Rewards ratePremier: 10 · Gold: 6.0
Sign-up bonusPremier: n/a · Gold: n/a
Intro 0% APRPremier: 0.0 · Gold: 0.0
Regular APRPremier: 7.3 · Gold: 7.0
Foreign transaction feePremier: 10.0 · Gold: 10.0
Regulatory record (CFPB)Premier: 10.0 · Gold: 10.0
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
⚠ $99 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 27.99% if you carry a balance · Penalty interest rate (APR) up to 29.99%
Annual fee $325Interest rate (APR) 19.74%–28.74% variableRewards 4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flightsCredit 720+ (CFPB TCCP targeted tiers)
⚠ $325 annual fee · APR up to 28.74% if you carry a balance · Penalty interest rate (APR) Prime + 26.74% (variable)
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, IHG One Rewards Premier or Amex Gold?
On VaultRubric's rubric: IHG One Rewards Premier scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.