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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase IHG One Rewards Premier Business

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 Business

Chase

Freedom Flex

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

Top earning rates

  • 5×Combined purchases in bonus categories each quarter you activate · Chase Ultimate Rewards
  • 5×Travel · Chase Ultimate Rewards
  • 3×Dining at restaurants, including takeout and eligible delivery services · Chase Ultimate Rewards
  • 3×Drugstore purchases · Chase Ultimate Rewards

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Auto Rental Collision Damage Waiver · $0
  • Cell Phone Protection · $0
  • Purchase Protection · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Chase Freedom Flex review

Chase

IHG One Rewards Premier Business

Annual fee
$99
Network
visa
Welcome value
~$840
Min spend
$4,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Dining · IHG One Rewards
  • 5×Advertising · IHG One Rewards
  • 5×Office supplies · IHG One Rewards

Key benefits

  • Anniversary Free Night · $280
  • Additional 40,000-Point Free Night (Spend Tier) · $280
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • $100 Statement Credit and 10,000 Bonus Points (Spend Tier) · $100
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier Business 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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