Chase Freedom Rise® Credit Card vs IHG One Rewards Credit Card
Both cards cost $0/yr. The Chase Freedom Rise® Credit Card leads on everyday spending; the IHG One Rewards Credit Card on dining.
Card data as of November 13, 2026.
Chase Freedom Rise® Credit CardChase · No annual fee
IHG One Rewards Credit CardChase · No annual fee
Overview
- Annual fee
- Chase Freedom Rise® Credit Card$0IHG One Rewards Credit Card$0
- Welcome offerCurrent public offer
- Chase Freedom Rise® Credit Card$25 statement creditIHG One Rewards Credit Card125,000 points
- Rewards
- Chase Freedom Rise® Credit CardCash backIHG One Rewards Credit CardIHG One Rewards
- Foreign transaction fee
- Chase Freedom Rise® Credit Card3%IHG One Rewards Credit CardNoneLowest
- Network
- Chase Freedom Rise® Credit CardVisa SignatureIHG One Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Credit Card3x
- Gas Stations
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Credit Card3x
- Grocery Stores
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Credit Card3x
- Everything else
- Chase Freedom Rise® Credit Card1.5%IHG One Rewards Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- 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 Credit Card- DoorDash DashPass
- $10/mo Instacart+
Perks & access— means none on record
- Hotel status & programs
- Chase Freedom Rise® Credit Card—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
- 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 Credit Card- $0 Foreign Transaction Fees
- 30% off reward points
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 Credit Card- Trip Cancellation/Trip Interruption Insurance · up to $5,000
- Baggage
- Chase Freedom Rise® Credit Card—IHG One Rewards Credit Card
- Baggage Delay Insurance · up to $100
- Lost Luggage Reimbursement · up to $3,000
- Rental car
- Chase Freedom Rise® Credit Card
- $60,000 Auto Rental Collision Coverage
IHG One Rewards Credit Card— - Purchase & returns
- Chase Freedom Rise® Credit Card
- $500 Purchase Protection for 120 Days
- 24/7 Fraud Monitoring
IHG One Rewards Credit Card- Purchase Protection · up to $500
- Extended warranty
- Chase Freedom Rise® Credit Card
- 1-Year Extended Warranty up to $10,000
IHG One Rewards Credit Card— - Other protections
- Chase Freedom Rise® Credit Card
- Instant Card Lock/Unlock via App
- 24/7 lost/stolen card assistance worldwide
IHG One Rewards Credit Card—
Pros & cons
- Pros
- Chase Freedom Rise® Credit Card—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
- Chase Freedom Rise® Credit Card—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 Chase Freedom Rise® Credit Card leads in 0.
Dining
IHG One Rewards Credit Card earns 3X vs 1.5X
Gas Stations
IHG One Rewards Credit Card earns 3X vs 1.5X
Grocery Stores
IHG One Rewards Credit Card earns 3X vs 1.5X
Everyday purchases
IHG One Rewards Credit Card earns 2X 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.
Ongoing value favors the Chase Freedom Rise® Credit Card; year-one value favors the IHG One Rewards Credit Card.
| Scenario | Chase Freedom Rise® Credit Card | IHG One Rewards 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: $173 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $188 Year one: $938 | Chase Freedom Rise® Credit Card | IHG One Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $750 Year one: $823 | Rewards: $691 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $706 Year one: $1,456 | Chase Freedom Rise® 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
Ongoing value favors the Chase Freedom Rise® Credit Card; year-one value favors the IHG One Rewards Credit Card.
Everyday (non-bonus) spend earns 2X on the IHG One Rewards Credit Card vs 1.5X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Chase Freedom Rise® Credit Card or IHG One Rewards Credit Card?
- The IHG One Rewards Credit Card has a higher base earn rate (2X 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 Credit Card doesn't?
- The Chase Freedom Rise® Credit Card offers dining credits. The IHG One Rewards Credit Card focuses more on earn rates than premium perks.
- Should I get the Chase Freedom Rise® Credit Card 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.