Capital Vacations® World Mastercard® vs IHG One Rewards Credit Card
Both cards cost $0/yr. The Capital Vacations® World Mastercard® leads on travel; the IHG One Rewards Credit Card on dining.
Card data as of November 13, 2026.
Capital Vacations® World Mastercard®Barclays · No annual fee
IHG One Rewards Credit CardChase · No annual fee
Overview
- Annual fee
- Capital Vacations® World Mastercard®$0IHG One Rewards Credit Card$0
- Welcome offerCurrent public offer
- Capital Vacations® World Mastercard®5,000 pointsIHG One Rewards Credit Card125,000 points
- Rewards
- Capital Vacations® World Mastercard®Capital Vacations RewardsIHG One Rewards Credit CardIHG One Rewards
- Foreign transaction fee
- Capital Vacations® World Mastercard®NoneIHG One Rewards Credit CardNone
- Network
- Capital Vacations® World Mastercard®Mastercard WorldIHG One Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Capital Vacations® World Mastercard®1xIHG One Rewards Credit Card3xHighest
- Gas Stations
- Capital Vacations® World Mastercard®2xIHG One Rewards Credit Card3xHighest
- Grocery Stores
- Capital Vacations® World Mastercard®1xIHG One Rewards Credit Card3xHighest
- Electric Vehicle Charging
- Capital Vacations® World Mastercard®2xIHG One Rewards Credit Card2x
- Travel
- Capital Vacations® World Mastercard®2xIHG One Rewards Credit Card2x
- Everything else
- Capital Vacations® World Mastercard®1xIHG One Rewards Credit Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Capital Vacations® World Mastercard®—IHG One Rewards Credit Card
- DoorDash DashPass
- $10/mo Instacart+
Perks & access— means none on record
- Hotel status & programs
- Capital Vacations® World Mastercard®
- 3-night resort stay after $10,000 annual spend
IHG One Rewards Credit Card- Gold Elite after $15,000 in calendar-year purchases
- IHG Silver Elite status
- 4th Reward Night Free on Points Stays
- Other perks
- Capital Vacations® World Mastercard®
- 0% intro APR on balance transfers for 15 months
- $0 foreign transaction fees
- 0% promo APR on CV down payments for 6 months
IHG One Rewards Credit Card- $0 Foreign Transaction Fees
- 30% off reward points
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital Vacations® World Mastercard®—IHG One Rewards Credit Card
- Trip Cancellation/Trip Interruption Insurance · up to $5,000
- Baggage
- Capital Vacations® World Mastercard®—IHG One Rewards Credit Card
- Baggage Delay Insurance · up to $100
- Lost Luggage Reimbursement · up to $3,000
- Purchase & returns
- Capital Vacations® World Mastercard®
- $0 fraud liability on unauthorized charges
IHG One Rewards Credit Card- Purchase Protection · up to $500
Pros & cons
- Pros
- Capital Vacations® World Mastercard®—IHG One Rewards Credit Card
- No annual fee with automatic Silver Elite status
- Fourth night free on reward stays of 4+ nights (from 2027, after $5,000 of annual spend)
- 3x earning on dining, grocery stores and gas stations
- 2x earning on all other purchases (above-average base rate)
- Path to Gold Elite with $15,000 annual spend
- Cons
- Capital Vacations® World Mastercard®—IHG One Rewards Credit Card
- Silver Elite status provides minimal benefits
- Lower earning rate at IHG properties (5x vs 10x on Premier)
- Only 5 Elite Night Credits a year
- No annual free night certificate
- $15,000 spend requirement for Gold status is steep
Category-by-Category Winner
The IHG One Rewards Credit Card wins in 4 of 4 categories. The Capital Vacations® World Mastercard® leads in 0.
Gas Stations
IHG One Rewards Credit Card earns 3X vs 2X
Dining
IHG One Rewards Credit Card earns 3X vs 1X
Grocery Stores
IHG One Rewards Credit Card earns 3X vs 1X
Everyday purchases
IHG One Rewards Credit Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital Vacations® World Mastercard® | IHG One Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $144 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $144 Year one: $144 | Rewards: $173 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $188 Year one: $938 | IHG One Rewards Credit Card | IHG One Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $576 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $576 Year one: $576 | Rewards: $691 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $706 Year one: $1,456 | IHG One Rewards Credit Card | IHG One Rewards Credit Card |
Which Card Is Right for You?
Get the IHG One Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the IHG One Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital Vacations® World Mastercard® or IHG One Rewards Credit Card?
- The IHG One Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Capital Vacations® World Mastercard® or the IHG One Rewards 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.