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IHG One Rewards Premier Credit Card vs Barclays GM Rewards Card: Which Earns More?

Melvyn Kim
By Melvyn Kim
Founder & Editor · Published July 29, 2026
B.A. Economics

The verdict

On typical spending the IHG One Rewards Premier Credit Card nets $914 a year after fees, $50 more than the Barclays GM Rewards Card at $864. That flips at about $1,600/month of spending, where the Barclays GM Rewards Card takes the lead.

Who earns more, by the numbers

Spending levelIHG One Rewards Premier Credit CardBarclays GM Rewards CardWinner
Light spender ($1,200/mo)$407/yr$432/yrBarclays GM Rewards Card
Typical spender ($2,400/mo)$914/yr$864/yrIHG One Rewards Premier Credit Card
Heavy spender ($4,500/mo)$1,802/yr$1,620/yrIHG One Rewards Premier Credit Card

Net of annual fees, typical category mix at baseline point values. The winner flips at about $1,600/month of spending.

IHG One Rewards Premier Credit Card

Chase

3.0/5
Annual Fee:$99
APR:21.49%-28.49% variable
Welcome Bonus: 150,000 bonus points after $3,000 in purchases in the first 3 months
Rewards: 26X at IHG, 5X travel/gas/dining, 3X on everything else
APPLYReview
EARNS MORE ON TYPICAL SPEND

Barclays GM Rewards Card

Barclays

3.4/5
Annual Fee:$0
APR:22.49%–32.49% variable
Welcome Bonus: 30,000 bonus points after $1,000 spend in 90 days
Rewards: Up to 10x on GM purchases, 3x everywhere else
APPLYReview

The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.

FAQ

Which is better, the IHG One Rewards Premier Credit Card or the Barclays GM Rewards Card?▼
On typical spending the IHG One Rewards Premier Credit Card nets $914 a year after fees, $50 more than the Barclays GM Rewards Card at $864. That flips at about $1,600/month of spending, where the Barclays GM Rewards Card takes the lead.
What is the annual fee difference between the IHG One Rewards Premier Credit Card and the Barclays GM Rewards Card?▼
The Barclays GM Rewards Card charges no annual fee, versus $99 for the IHG One Rewards Premier Credit Card — a $99 difference every year.
Which has the better welcome bonus?▼
The IHG One Rewards Premier Credit Card, at 150,000 points (~$1,500) as of 2026-07-29. Bonuses change often — each card's page carries the date we last recorded it.