British Airways Visa Signature® Card vs IHG One Rewards Premier
Side-by-side comparison
| British Airways Visa Signature® Card | IHG One Rewards Premier | |
|---|---|---|
| Annual fee | $95 | $99 |
| Welcome offer | 75,000 Avios | |
| Dining | 1x | 5x |
| Groceries | 1x | 3x |
| Gas | 1x | 5x |
| Travel | 3x | 5x |
| Streaming | 1x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $328 | $1,014 |
| Points type | Locked to Avios | Locked to IHG One Rewards |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the British Airways Visa Signature® Card earns about $328 a year in rewards and the IHG One Rewards Premier about $1,014, valuing every point at a flat 1 cent. The British Airways Visa Signature® Card charges $95, which you clear through its rewards and perks. The IHG One Rewards Premier charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the IHG One Rewards Premier delivers more total value, about $682 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the IHG One Rewards Premier currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the IHG One Rewards Premier if your spending leans toward dining, groceries, gas.