Which card earns more rewards, the Chase Freedom Unlimited or IHG One Rewards Traveler Credit Card?

The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited or the IHG One Rewards Traveler Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Unlimited or IHG One Rewards Traveler Credit Card?

The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited or the IHG One Rewards Traveler Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Unlimited or IHG One Rewards Traveler Credit Card?

The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited or the IHG One Rewards Traveler Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Freedom Unlimited vs IHG One Rewards Traveler Credit Card

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.

Chase Freedom Unlimited

Chase

IHG One Rewards Traveler Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

120,000 Hotel

Earn Rates

Category	Chase Freedom Unlimited	IHG One Rewards Traveler Credit Card
Ihg Hotels	1.5X	17X
Dining	3X	3X
Drugstores	3X	2X
Gas Stations	1.5X	3X
Streaming	1.5X	3X
Utilities	1.5X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

+No annual fee with automatic Silver Elite status
+Fourth night free on reward stays of 4+ nights
+Strong 3x earning on utilities, streaming, gas, and restaurants
+2x earning on all other purchases (above-average base rate)
+Path to Gold Elite with $20,000 annual spend

Cons

−3% foreign transaction fee
−1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing

Category-by-Category Winner

The IHG One Rewards Traveler Credit Card wins in 5 of 6 categories. The Chase Freedom Unlimited leads in 1.

Drugstores

Chase Freedom Unlimited earns 3X vs 2X

Ihg Hotels

IHG One Rewards Traveler Credit Card earns 17X vs 1.5X

Gas Stations

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Streaming

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Utilities

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Everyday purchases

IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1.5X

Which Card Is Right for You?

Get the IHG One Rewards Traveler Credit Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the IHG One Rewards Traveler Credit Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or IHG One Rewards Traveler Credit Card?: The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited or the IHG One Rewards Traveler Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Chase Freedom Unlimited Bank Of America Unlimited Cash vs Chase Freedom Unlimited

Explore More

Chase Freedom Unlimited — Full Review All Chase Cards

IHG One Rewards Traveler Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Freedom Unlimited vs IHG One Rewards Traveler Credit Card

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.

Chase Freedom Unlimited

Chase

IHG One Rewards Traveler Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

120,000 Hotel

Earn Rates

Category	Chase Freedom Unlimited	IHG One Rewards Traveler Credit Card
Ihg Hotels	1.5X	17X
Dining	3X	3X
Drugstores	3X	2X
Gas Stations	1.5X	3X
Streaming	1.5X	3X
Utilities	1.5X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

+No annual fee with automatic Silver Elite status
+Fourth night free on reward stays of 4+ nights
+Strong 3x earning on utilities, streaming, gas, and restaurants
+2x earning on all other purchases (above-average base rate)
+Path to Gold Elite with $20,000 annual spend

Cons

−3% foreign transaction fee
−1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing

Category-by-Category Winner

The IHG One Rewards Traveler Credit Card wins in 5 of 6 categories. The Chase Freedom Unlimited leads in 1.

Drugstores

Chase Freedom Unlimited earns 3X vs 2X

Ihg Hotels

IHG One Rewards Traveler Credit Card earns 17X vs 1.5X

Gas Stations

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Streaming

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Utilities

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Everyday purchases

IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1.5X

Which Card Is Right for You?

Get the IHG One Rewards Traveler Credit Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the IHG One Rewards Traveler Credit Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or IHG One Rewards Traveler Credit Card?: The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited or the IHG One Rewards Traveler Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Chase Freedom Unlimited — Full Review All Chase Cards

IHG One Rewards Traveler Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Chase Freedom Unlimited vs IHG One Rewards Traveler Credit Card

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.

Chase Freedom Unlimited

Chase

IHG One Rewards Traveler Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

120,000 Hotel

Earn Rates

Category	Chase Freedom Unlimited	IHG One Rewards Traveler Credit Card
Ihg Hotels	1.5X	17X
Dining	3X	3X
Drugstores	3X	2X
Gas Stations	1.5X	3X
Streaming	1.5X	3X
Utilities	1.5X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

+No annual fee with automatic Silver Elite status
+Fourth night free on reward stays of 4+ nights
+Strong 3x earning on utilities, streaming, gas, and restaurants
+2x earning on all other purchases (above-average base rate)
+Path to Gold Elite with $20,000 annual spend

Cons

−3% foreign transaction fee
−1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing

Category-by-Category Winner

The IHG One Rewards Traveler Credit Card wins in 5 of 6 categories. The Chase Freedom Unlimited leads in 1.

Drugstores

Chase Freedom Unlimited earns 3X vs 2X

Ihg Hotels

IHG One Rewards Traveler Credit Card earns 17X vs 1.5X

Gas Stations

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Streaming

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Utilities

IHG One Rewards Traveler Credit Card earns 3X vs 1.5X

Everyday purchases

IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1.5X

Which Card Is Right for You?

Get the IHG One Rewards Traveler Credit Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the IHG One Rewards Traveler Credit Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or IHG One Rewards Traveler Credit Card?: The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited or the IHG One Rewards Traveler Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Chase Freedom Unlimited — Full Review All Chase Cards

IHG One Rewards Traveler Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards