Application Process: Apply online via Chase's website and receive an instant decision unless additional information is needed.

Rewards: Earn 10 points per $1 spent at an IHG hotel and 2 points per $1 spent at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other qualifying purchases.

Bonus Offers: Earn 80,000 bonus points when you spend $2,000 on purchases within the first three months, plus an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening.

Annual Fee: It's $89, which is average compared to other cards on our list.

• Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening plus an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening

• Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights

• Earn 10 points per $1 spent when you stay at an IHG hotel

• Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases

• Platinum Elite status as long as you remain a Premier card member

• Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card

• IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®