Which card earns more rewards, the Choice Privileges 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.

What benefits does the Choice Privileges Mastercard have that the IHG One Rewards Credit Card doesn't?

The Choice Privileges Mastercard offers cell phone protection. The IHG One Rewards Credit Card focuses more on earn rates than premium perks.

Should I get the Choice Privileges 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.

Choice Privileges Mastercard vs IHG One Rewards Credit Card

Both cards cost $0/yr. The Choice Privileges Mastercard leads on gas stations; the IHG One Rewards Credit Card on dining.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Choice Privileges Mastercard Wells Fargo · No annual fee	IHG One Rewards Credit Card Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	40,000 points	125,000 points
Rewards	Choice Privileges Points	IHG One Rewards
Foreign transaction fee	None	None
Network	Mastercard World Elite	Mastercard World Elite
Earn ratesPer $1 spent
Dining	1x	3x Highest
Gas Stations	3x	3x
Grocery Stores	3x	3x
Home Improvement	3x Highest	2x
Telecom	3x Highest	2x
Everything else	1x	2x Highest
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	—	DoorDash DashPass $10/mo Instacart+
Perks & access— means none on record
Hotel status & programs	Automatic Gold Elite status with 10% bonus	Gold Elite after $15,000 in calendar-year purchases IHG Silver Elite status 4th Reward Night Free on Points Stays
Other perks	No foreign transaction fees	$0 Foreign Transaction Fees 30% off reward points
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Trip Cancellation/Trip Interruption Insurance · up to $5,000
Baggage	—	Baggage Delay Insurance · up to $100 Lost Luggage Reimbursement · up to $3,000
Purchase & returns	—	Purchase Protection · up to $500
Cell phone	Up to $800 cell phone protection	—
Pros & cons
Pros	No annual fee with automatic Gold Elite status Strong 3x earning on gas, grocery, home improvement, and phone plans 5x earning at participating Choice Hotels 10 elite night credits annually No foreign transaction fees	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	Gold Elite status provides limited benefits compared to Platinum Lower earning rates than the Select card across all categories No anniversary bonus points No Global Entry/TSA PreCheck credit Choice Hotels lacks luxury properties	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
	Card details	Card details

Choice Privileges Mastercard
Wells Fargo · No annual fee
IHG One Rewards Credit Card
Chase · No annual fee

Overview

Annual fee: Choice Privileges Mastercard
$0
IHG One Rewards Credit Card
$0
Welcome offerCurrent public offer: Choice Privileges Mastercard
40,000 points
IHG One Rewards Credit Card
125,000 points
Rewards: Choice Privileges Mastercard
Choice Privileges Points
IHG One Rewards Credit Card
IHG One Rewards
Foreign transaction fee: Choice Privileges Mastercard
None
IHG One Rewards Credit Card
None
Network: Choice Privileges Mastercard
Mastercard World Elite
IHG One Rewards Credit Card
Mastercard World Elite

Earn ratesPer $1 spent

Dining: Choice Privileges Mastercard
1x
IHG One Rewards Credit Card
3x
Highest
Gas Stations: Choice Privileges Mastercard
3x
IHG One Rewards Credit Card
3x
Grocery Stores: Choice Privileges Mastercard
3x
IHG One Rewards Credit Card
3x
Home Improvement: Choice Privileges Mastercard
3x
Highest
IHG One Rewards Credit Card
2x
Telecom: Choice Privileges Mastercard
3x
Highest
IHG One Rewards Credit Card
2x
Everything else: Choice Privileges Mastercard
1x
IHG One Rewards Credit Card
2x
Highest

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: Choice Privileges Mastercard
—
IHG One Rewards Credit Card
DoorDash DashPass
$10/mo Instacart+

Perks & access— means none on record

Hotel status & programs: Choice Privileges Mastercard
Automatic Gold Elite status with 10% bonus
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: Choice Privileges Mastercard
No foreign transaction fees
IHG One Rewards Credit Card
$0 Foreign Transaction Fees
30% off reward points

Protections & insuranceLimits where published · — means none on record

Trip insurance: Choice Privileges Mastercard
—
IHG One Rewards Credit Card
Trip Cancellation/Trip Interruption Insurance · up to $5,000
Baggage: Choice Privileges Mastercard
—
IHG One Rewards Credit Card
Baggage Delay Insurance · up to $100
Lost Luggage Reimbursement · up to $3,000
Purchase & returns: Choice Privileges Mastercard
—
IHG One Rewards Credit Card
Purchase Protection · up to $500
Cell phone: Choice Privileges Mastercard
Up to $800 cell phone protection
IHG One Rewards Credit Card
—

Pros & cons

Pros: Choice Privileges Mastercard
No annual fee with automatic Gold Elite status
Strong 3x earning on gas, grocery, home improvement, and phone plans
5x earning at participating Choice Hotels
10 elite night credits annually
No foreign transaction fees
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: Choice Privileges Mastercard
Gold Elite status provides limited benefits compared to Platinum
Lower earning rates than the Select card across all categories
No anniversary bonus points
No Global Entry/TSA PreCheck credit
Choice Hotels lacks luxury properties
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

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

Both cards win in 2 categories each — it comes down to which categories matter most to you.

Home Improvement

Choice Privileges Mastercard earns 3X vs 2X

Telecom

Choice Privileges Mastercard earns 3X vs 2X

Dining

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	Choice Privileges 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: $464	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: $896	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
+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 Choice Privileges 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.
What benefits does the Choice Privileges Mastercard have that the IHG One Rewards Credit Card doesn't?: The Choice Privileges Mastercard offers cell phone protection. The IHG One Rewards Credit Card focuses more on earn rates than premium perks.
Should I get the Choice Privileges 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.

Explore More

Choice Privileges Mastercard — Full Review All Wells Fargo Cards

IHG One Rewards Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards · Chase cards

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.