The IHG is a good keeper card, the $49 fee easily is paid for with the free night certificate. The SW card nearly breaks even with the anniversary points vs the annual fee and many people get retention offers that cancel out most or all of the fee. That said neither card is worth putting any spending on if you have a CSR in your wallet. I think I spent $50 on my IHG card last year and that was at an IHG hotel and I just wanted to use it at least once in 2017.