Chase Freedom Unlimited® vs IHG One Rewards Traveler Credit Card

Chase Freedom Unlimited®Chase Freedom Unlimited®

Chase

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IHG One Rewards Traveler Credit CardIHG One Rewards Traveler Credit Card

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
IHG One Rewards Points
Point Value
2.00¢/pt
0.50¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
25,000 Chase Ultimate Rewards after $500 in 90 days
80,000 IHG One Rewards Points after $2,000 in 90 days

Effective return by category

CategoryChase Freedom Unlimited®IHG One Rewards Traveler Credit Card
Dining & Restaurants6.00%
3x
0.50%
1x
Drugstores & Pharmacies6.00%
3x
0.50%
1x
Everything else3.00%
1.5x
0.50%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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