IHG One Rewards Traveler Credit Card vs Miles & More® World Elite Mastercard®
Side-by-side comparison
| IHG One Rewards Traveler Credit Card | Miles & More® World Elite Mastercard® | |
|---|---|---|
| Annual fee | No annual fee | $89 |
| Welcome offer | 125,000 points | 70,000 miles |
| Dining | 3x | 1x |
| Groceries | 1x | 1x |
| Gas | 3x | 1x |
| Travel | 3x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $431 | $310 |
| Points type | Locked to IHG One Rewards | Locked to Miles & More |
| Network | Mastercard | 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 IHG One Rewards Traveler Credit Card earns about $431 a year in rewards and the Miles & More® World Elite Mastercard® about $310, valuing every point at a flat 1 cent. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. The Miles & More® World Elite Mastercard® charges $89, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the IHG One Rewards Traveler Credit Card delivers more total value, about $210 a year more for a typical spender, mostly because it earns more where you spend most, on dining and gas. 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 Traveler Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the IHG One Rewards Traveler Credit Card if your spending leans toward dining, gas, travel.