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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase IHG One Rewards Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Freedom FlexBigger welcome offer: Chase IHG One Rewards Premier

Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rotating categories · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards
  • 3×Drugstores · Chase Ultimate Rewards

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Extended warranty protection · $0
  • Cell phone protection · $0
  • Purchase protection · $0
  • Trip cancellation and interruption insurance · $0
Full Chase Freedom Flex review

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
$700
Min spend
$3,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Travel · IHG One Rewards
  • 5×Gas stations · IHG One Rewards
  • 5×Dining · IHG One Rewards

Key benefits

  • Fourth Reward Night Free · $200
  • Anniversary Free Night · $200
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • DoorDash Non-Restaurant Discount · $10
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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