Chase Freedom Unlimited® vs IHG One Rewards Traveler Credit Card
Side-by-side comparison
| Chase Freedom Unlimited® | IHG One Rewards Traveler Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | 125,000 points |
| Dining | 3x | 3x |
| Groceries | 1.5x | 1x |
| Gas | 1.5x | 3x |
| Travel | 1.5x | 3x |
| Streaming | 1.5x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $490 | $431 |
| Points type | Pools with Chase → transferable | Locked to IHG One Rewards |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Chase Freedom Unlimited® earns about $490 a year in rewards and the IHG One Rewards Traveler Credit Card about $431, valuing every point at a flat 1 cent. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Chase Freedom Unlimited® delivers more total value, about $59 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the Chase Freedom Unlimited® earns points you can move to travel partners for outsized value, while the IHG One Rewards Traveler Credit Card stays locked to a single airline or hotel program. Favor the Chase Freedom Unlimited® if you will use travel transfers, the IHG One Rewards Traveler Credit Card if you want simplicity. On the sign-up bonus, the IHG One Rewards Traveler Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Freedom Unlimited® if your spending leans toward groceries, streaming, everything else. Pick the IHG One Rewards Traveler Credit Card if your spending leans toward gas, travel.