Card comparisonSide by side
Chase Freedom Flex® Credit Card vs IHG One Rewards Premier Credit Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
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- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | ||
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 2/2 cards | Entry Level | Mid Tier |
Credit Score | — | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $99 |
Foreign Transaction Fee | — | None |
Purchase APR | 18.24% – 27.74% | 19.24% – 27.74% |
Intro APR | 0% for 15 months | — |
| Rewards | ||
Welcome Bonus | Earn $200 | Earn 10,000 points |
Reward Rate Data: 2/2 cards | 5% back on quarterly bonus categories | 26x pts on ihg hotels and resorts (total earn stays) |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards | IHG One Rewards |
| Earning Rates | ||
| All other purchases | 1% backEarn on all other purchases | 3x pts |
| Dining | 3% backDining at restaurants, including takeout and eligible delivery services | 5x ptsDining at restaurants including takeout and eligible delivery services |
| Drugstores | 3% backDrugstore purchases | — |
| Gas Stations | — | 5x ptsPurchases made at gas stations |
| IHG Hotels and Resorts (Card Earn) | — | 10x ptsEarn 10 points for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards |
| IHG Hotels and Resorts (Total Earn Stays) | — | 26x ptsUp to 26X total points per $1 spent when you stay at IHG Hotels and Resorts. Includes 10X from this card, up to 10X from IHG One Rewards membership, and up to 6X with Platinum Elite Status |
| Lyft | 2% backOn qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 | — |
| Quarterly bonus categories | 5% backOn up to $1,500 in total combined purchases each quarter you activate | — |
| Travel | 5% backTravel purchased through Chase Travel | 5x ptsExcluding purchases made at hotels participating in IHG One Rewards that qualify for the 10 points card earn |
| Benefits | ||
Key Benefits |
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