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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 · Chase Ultimate Rewards
  • 5×rideshare · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×drugstores · Chase Ultimate Rewards

Key benefits

  • 1.5% cash back on all other purchases · $267
  • 5% cash back on Chase Travel · $150
  • 3% cash back on Dining · $108
  • 5% cash back on Lyft · $60
  • Chase Offers · $50
Full Chase Freedom Unlimited 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

  • 26X Total Points at IHG Hotels · $780
  • 3X Points Base Rate · $750
  • Diamond Elite Status (Spend Tier) · $500
  • 5X Points on Travel, Dining, and Gas · $360
  • Automatic Platinum Elite Status · $300
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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