The New IHG One Rewards Credit Card has no annual fee, a great welcome bonus, and perks like a fourth night free on award redemptions once you spend $5,000 on the card in a calendar year.

The New IHG One Rewards Business Credit Card is easy to justify, since the anniversary free night certificate alone is consistently worth more than the annual fee, and can be topped off with additional points to redeem at more expensive properties. The card also comes with IHG Platinum status, a fourth night free on award redemptions (usable an unlimited number of times), and up to $50 in United TravelBank Cash per year. There are further incentives to spend on the card, 20,000 bonus points for spending $25,000 in a calendar year, and IHG Diamond status for spending $40,000 (rising to $50,000 starting in 2027). It's best for anyone who stays at IHG properties with any frequency, and is particularly compelling alongside the personal version of the card, since holding both means earning two free night certificates per year without any spending requirement.

The Bilt Palladium Card is the crown jewel of the Bilt lineup, offering 2x points on everyday purchases, a 50,000-point welcome bonus, a Priority Pass membership, $200 in annual Bilt Cash (up to $100 of Bilt Cash earned rolls over to the next year), and up to $400 in hotel statement credits each year. The combination of a flat 2x earning rate with using Bilt Cash for the spending accelerator feature can push daily earning rates to a consistent 3x for a majority of purchases. While the annual fee is steep, the math very much checks out for the right type of card holder. It's best for high spenders and those with significant housing payments who can extract maximum value from the premium perks and the broader Bilt ecosystem. Bilt Palladium Card Review →