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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited 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 UnlimitedBigger welcome offer: Chase IHG One Rewards Premier

Chase

Freedom Unlimited

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

Top earning rates

  • 5×Travel
  • 3×Dining at restaurants, including takeout and eligible delivery services
  • 3×Drugstore purchases
  • 2×Qualifying Lyft products and services

Key benefits

  • Purchase Protection · $500
  • Quarterly DoorDash non-restaurant discount · $10
  • Trip Cancellation and Interruption Insurance · $0
  • Roadside Assistance · $0
  • Freedom's Cashback Moments · $0
Full Chase Freedom Unlimited review

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
~$1,080
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Hotels participating in IHG One Rewards
  • 5×Grocery stores; gas stations; dining at restaurants including takeout and eligible delivery services · IHG One Rewards
  • 5×Travel rewards category · IHG One Rewards
  • 3×All other purchases

Key benefits

  • Anniversary Free Night · $200
  • Fourth Reward Night Free · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • United Credit · $25
  • DoorDash Non-Restaurant Discount · $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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