Chase Freedom Unlimited vs. IHG One Rewards Premier Credit Card
On the criteria below, IHG One Rewards Premier Credit Card wins 3 of 4. The verdict depends on which criteria matter to you.
Chase Freedom Unlimited
Chase
IHG One Rewards Premier Credit Card
Chase
IHG One Rewards Premier Credit Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Chase Freedom Unlimited wins on annual fee; IHG One Rewards Premier Credit Card wins on first-year math, earning ceiling, and foreign transactions.
Pick the IHG One Rewards Premier Credit Card if year-one math is your priority; take the Chase Freedom Unlimited if you want a cheaper card to keep long-term.
Who wins what
1 vs 3- First-year math IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card wins on bonus value minus annual fee.
- Annual fee Chase Freedom Unlimited
Chase Freedom Unlimited is $99 cheaper to keep.
- Earning ceiling IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card earns more on its best category (10× vs 5×).
- Foreign transactions IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $99
- Welcome offer (typical value)
- $200
- $1,295
- First-year net
- +$200
- +$1,196
- Peak earning rate
- 5×
- 10×
- Top categories
- Chase Travel, Dining, Drugstores
- Hotels Resorts, Dining, Gas
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Chase Ultimate Rewards
- IHG One Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.