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Chase Freedom Unlimited vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom UnlimitedChase | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 4.6/5 | 4.2/5 |
| Annual Fee | $0 | $99 |
| APR | 18.24% - 27.74% | 19.49% - 27.99% |
| Signup Bonus | $250 bonus after spending $500 in 3 months | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| Rewards Rate | 5% on travel via Chase, 3% on dining & drugstores, 1.5% on everything else | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else |
| Credit Score | good | good |
| Pros | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point transfers | 26X at IHG hotels and 5X on travel, dining, and gas Free night award each anniversary (up to 40,000 points) Automatic IHG Platinum Elite status |
| Cons | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the IHG One Rewards Premier Credit Card (4.2/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.