Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Chase Freedom Unlimited® vs IHG One Rewards Premier Credit Card
This comparison aims to help you decide between the Chase Freedom Unlimited® and the IHG One Rewards Premier Credit Card. Both cards offer unique features and rewards, but they cater to different needs and spending habits. Let's dive into the details.
Card Overviews
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is designed for individuals who want to earn cash back on their everyday purchases without the hassle of an annual fee. With its generous rewards structure and limited-time bonus offer, this card is great for those who spend across various categories.
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is ideal for frequent travelers and IHG hotel guests. It offers substantial rewards for stays at IHG properties and includes valuable perks such as automatic elite status and anniversary free nights, making it a strong choice for those who prioritize travel rewards.
Detailed Feature Comparison
| Feature | Chase Freedom Unlimited® | IHG One Rewards Premier Credit Card |
|---|---|---|
| Annual Fee | $0 | $99 |
| Welcome Bonus | Earn a $250 Bonus after spending $500 in first 3 months | Earn 140,000 Bonus Points after spending $3,000 in first 3 months |
| Rewards Structure | 5% on travel through Chase, 3% on dining/drugstores, 1.5% on all other purchases | Up to 26 points at IHG, 5 points on travel/gas/restaurants, 3 points on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | Cash back rewards do not expire; Free access to credit score | Anniversary free night; Global Entry/TSA PreCheck credit |
Rewards Highlights
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
- Earn 3 points per $1 spent on all other purchases.
Pros and Cons
Chase Freedom Unlimited®
- Pros:
- No annual fee
- Flexible cash back rewards
- No minimum redemption threshold
- Great for everyday spending
- Cons:
- Lower rewards rate for travel compared to specialized travel cards
- Limited travel perks and benefits
IHG One Rewards Premier Credit Card
- Pros:
- Strong rewards for IHG hotel stays
- Anniversary free night
- Automatic elite status
- Global Entry/TSA PreCheck credit
- Cons:
- $99 annual fee
- Best for frequent travelers to IHG properties
Who Should Consider Which Card?
- Chase Freedom Unlimited®: Ideal for users who want a no-annual-fee card that offers flexible cash back rewards on a variety of everyday purchases.
- IHG One Rewards Premier Credit Card: Best suited for travelers who frequently stay at IHG hotels and can take advantage of the valuable perks and rewards offered.
Conclusion
When choosing between the Chase Freedom Unlimited® and the IHG One Rewards Premier Credit Card, consider your individual needs and spending patterns. If you prioritize cash back across various categories without an annual fee, the Freedom Unlimited may be the right choice. Conversely, if you frequently stay at IHG hotels and can benefit from travel rewards and perks, the IHG One Rewards Premier Credit Card could be a better fit.