Chase Freedom Rise® Credit Card vs IHG One Rewards Premier Credit Card
Annual fees: Chase Freedom Rise® Credit Card $0/yr, IHG One Rewards Premier Credit Card $150/yr. Strongest bonus categories: Chase Freedom Rise® Credit Card on everyday spending, IHG One Rewards Premier Credit Card on gas stations.
Card data as of October 12, 2026.
Chase Freedom Rise® Credit CardChase · No annual fee
IHG One Rewards Premier Credit CardChase · $150/yr
Overview
- Annual fee
- Chase Freedom Rise® Credit Card$0LowestIHG One Rewards Premier Credit Card$150
- Welcome offerCurrent public offer
- Chase Freedom Rise® Credit Card$25 statement creditIHG One Rewards Premier Credit CardUp to 190,000 points
- Rewards
- Chase Freedom Rise® Credit CardCash backIHG One Rewards Premier Credit CardIHG One Rewards
- Foreign transaction fee
- Chase Freedom Rise® Credit Card3%IHG One Rewards Premier Credit CardNoneLowest
- Network
- Chase Freedom Rise® Credit CardVisa SignatureIHG One Rewards Premier Credit CardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Car Rentals
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Premier Credit Card5x
- Dining
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Premier Credit Card5x
- Flights
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Premier Credit Card5x
- Gas Stations
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Premier Credit Card5x
- Grocery Stores
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Premier Credit Card5x
- Everything else
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Premier Credit Card3x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Freedom Rise® Credit Card—IHG One Rewards Premier Credit Card
- $120 Global Entry/TSA PreCheck · $120 every 4 years
- $100 airline statement credit
- $100/yr IHG food & beverage · $25 quarterly
- $50/yr United TravelBank · $25 every 6 months
- Dining & delivery
- Chase Freedom Rise® Credit Card
- 6 Months Free DashPass ($0 Delivery Fees) · $60 one-time
- $10 Off Quarterly on DoorDash Orders · $40/yr
IHG One Rewards Premier Credit Card- DoorDash DashPass
- $10/mo Instacart+
Perks & access— means none on record
- Hotel status & programs
- Chase Freedom Rise® Credit Card—IHG One Rewards Premier Credit Card
- Automatic IHG Gold Elite status
- Platinum Elite at $15K spend, Diamond at $40K
- Other perks
- Chase Freedom Rise® Credit Card
- Annual Upgrade Evaluation to Freedom Unlimited
- Free Credit Score Tracking via Credit Journey
- Credit Limit Increase Review in 6 Months
- 24/7 Roadside Assistance (Pay-Per-Use)
- Use Your Card Same Day via Digital Wallet
- 24/7 Travel Emergency Assistance Worldwide
IHG One Rewards Premier Credit Card- 30% reward points discount
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Freedom Rise® Credit Card
- $1,500 Trip Cancellation Insurance Per Person
IHG One Rewards Premier Credit Card- Trip cancellation and interruption insurance · up to $5,000
- Baggage
- Chase Freedom Rise® Credit Card—IHG One Rewards Premier Credit Card
- Lost Luggage Reimbursement · up to $3,000
- Baggage delay insurance · up to $100
- Rental car
- Chase Freedom Rise® Credit Card
- $60,000 Auto Rental Collision Coverage
IHG One Rewards Premier Credit Card— - Purchase & returns
- Chase Freedom Rise® Credit Card
- $500 Purchase Protection for 120 Days
- 24/7 Fraud Monitoring
IHG One Rewards Premier Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- Chase Freedom Rise® Credit Card
- 1-Year Extended Warranty up to $10,000
IHG One Rewards Premier Credit Card- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Chase Freedom Rise® Credit Card
- Instant Card Lock/Unlock via App
- 24/7 lost/stolen card assistance worldwide
IHG One Rewards Premier Credit Card—
Pros & cons
- Pros
- Chase Freedom Rise® Credit Card—IHG One Rewards Premier Credit Card
- $150 annual fee is offset by the Anniversary Free Night (up to 50,000 points) and the annual credits
- 10X points at IHG properties; 5X on directly booked flights, car rentals, dining, grocery and gas
- Automatic Gold Elite status; Platinum Elite after $15K annual spend
- Fourth night free on award stays effectively gives 25% discount
- Up to $100 in IHG food and beverage credits and a $100 airline statement credit each year
- Cons
- Chase Freedom Rise® Credit Card—IHG One Rewards Premier Credit Card
- Free night capped at 50,000 points excludes top-tier properties
- IHG points valued around 0.5 cents per point - lower than competitors
- No airport lounge access included
- $50 United TravelBank credit requires separate registration
- Diamond Elite through spend requires hefty $40K annual threshold
Category-by-Category Winner
The IHG One Rewards Premier Credit Card wins in 6 of 6 categories. The Chase Freedom Rise® Credit Card leads in 0.
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 1.5X
Flights
IHG One Rewards Premier Credit Card earns 5X vs 1.5X
Car Rentals
IHG One Rewards Premier Credit Card earns 5X vs 1.5X
Grocery Stores
IHG One Rewards Premier Credit Card earns 5X vs 1.5X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 1.5X
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1.5X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Chase Freedom Rise® Credit Card | IHG One Rewards Premier Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $210 Year one: $283 | Rewards: $274 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $284 Year one: $1,394 | Close — depends on how much of the credits you use | IHG One Rewards Premier Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $750 Year one: $823 | Rewards: $1,094 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $1,104 Year one: $2,214 | IHG One Rewards Premier Credit Card | IHG One Rewards Premier Credit Card |
Is the Fee Difference Worth It?
The IHG One Rewards Premier Credit Card costs $150/yr — that's $150 more than the Chase Freedom Rise® Credit Card (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The IHG One Rewards Premier Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $150 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $150 fee gap means the IHG One Rewards Premier Credit Card needs roughly $150 more in annual rewards (or credits you will use) to break even on gas stations and flights and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Chase Freedom Rise® Credit Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the IHG One Rewards Premier 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
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 3X on the IHG One Rewards Premier Credit Card vs 1.5X on the other card.
Published annual fees: Chase Freedom Rise® Credit Card $0/yr, IHG One Rewards Premier Credit Card $150/yr — a $150 difference before welcome offers and credits.
Frequently Asked Questions
- Is the IHG One Rewards Premier Credit Card worth the higher annual fee?
- The IHG One Rewards Premier Credit Card costs $150/yr vs $0/yr for the Chase Freedom Rise® Credit Card. Compare the year-one vs ongoing value table on this page — the $150 gap must be offset by higher earn rates, welcome offers, or credits you will use (the IHG One Rewards Premier Credit Card also lists travel credits).
- Which card earns more rewards, the Chase Freedom Rise® Credit Card or IHG One Rewards Premier Credit Card?
- The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.
- What benefits does the Chase Freedom Rise® Credit Card have that the IHG One Rewards Premier Credit Card doesn't?
- The Chase Freedom Rise® Credit Card offers dining credits. The IHG One Rewards Premier Credit Card offers travel credits.
- Should I get the Chase Freedom Rise® Credit Card or the IHG One Rewards Premier Credit Card?
- Use the spend scenarios on this page: the Chase Freedom Rise® Credit Card has a lower $0/yr fee; the IHG One Rewards Premier Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.