Which card earns more rewards, the IHG One Rewards Credit Card or Imagine Visa 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 IHG One Rewards Credit Card or the Imagine Visa Credit Card?

Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.

IHG One Rewards Credit Card vs Imagine Visa Credit Card

The IHG One Rewards Credit Card leads on dining; the Imagine Visa Credit Card leads on gas stations. See category winners and spend scenarios below.

Card data as of November 13, 2026.

Credit card comparison
Overview
	IHG One Rewards Credit Card Chase · No annual fee	Imagine Visa Credit Card WebBank · $99 or $125 or $175/yr by version (set at approval)
Annual fee	$0	$99 or $125 or $175 $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval
Welcome offerCurrent public offer	125,000 points	—
Rewards	IHG One Rewards	—
Foreign transaction fee	None Lowest	3%
Network	Mastercard World Elite	Visa
Earn ratesPer $1 spent
Dining	3x Highest	1x
Gas Stations	3x	3x
Grocery Stores	3x	3x
Utilities	2x	3x Highest
Everything else	2x Highest	1x
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	Gold Elite after $15,000 in calendar-year purchases IHG Silver Elite status 4th Reward Night Free on Points Stays	—
Other perks	$0 Foreign Transaction Fees 30% off reward points	Easy account management online and mobile Unsecured card—no deposit needed
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	—
Other protections	—	3-bureau credit reporting $0 fraud liability—you're protected
Pros & cons
Pros	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	No security deposit required (unsecured card) Reports to all three major credit bureaus (Experian, Equifax, TransUnion) Available to consumers with poor or limited credit Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
Cons	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	High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year) Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee Very high APR (36%) Cash back redeems only as an automatic annual statement credit Low initial credit limit (typically $300)
	Card details	Card details

IHG One Rewards Credit Card
Chase · No annual fee
Imagine Visa Credit Card
WebBank · $99 or $125 or $175/yr by version (set at approval)

Overview

Annual fee: IHG One Rewards Credit Card
$0
Imagine Visa Credit Card
$99 or $125 or $175
$99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval
Welcome offerCurrent public offer: IHG One Rewards Credit Card
125,000 points
Imagine Visa Credit Card
—
Rewards: IHG One Rewards Credit Card
IHG One Rewards
Imagine Visa Credit Card
—
Foreign transaction fee: IHG One Rewards Credit Card
None
Lowest
Imagine Visa Credit Card
3%
Network: IHG One Rewards Credit Card
Mastercard World Elite
Imagine Visa Credit Card
Visa

Earn ratesPer $1 spent

Dining: IHG One Rewards Credit Card
3x
Highest
Imagine Visa Credit Card
1x
Gas Stations: IHG One Rewards Credit Card
3x
Imagine Visa Credit Card
3x
Grocery Stores: IHG One Rewards Credit Card
3x
Imagine Visa Credit Card
3x
Utilities: IHG One Rewards Credit Card
2x
Imagine Visa Credit Card
3x
Highest
Everything else: IHG One Rewards Credit Card
2x
Highest
Imagine Visa Credit Card
1x

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

Dining & delivery: IHG One Rewards Credit Card
DoorDash DashPass
$10/mo Instacart+
Imagine Visa Credit Card
—

Perks & access— means none on record

Hotel status & programs: 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
Imagine Visa Credit Card
—
Other perks: IHG One Rewards Credit Card
$0 Foreign Transaction Fees
30% off reward points
Imagine Visa Credit Card
Easy account management online and mobile
Unsecured card—no deposit needed

Protections & insuranceLimits where published · — means none on record

Trip insurance: IHG One Rewards Credit Card
Trip Cancellation/Trip Interruption Insurance · up to $5,000
Imagine Visa Credit Card
—
Baggage: IHG One Rewards Credit Card
Baggage Delay Insurance · up to $100
Lost Luggage Reimbursement · up to $3,000
Imagine Visa Credit Card
—
Purchase & returns: IHG One Rewards Credit Card
Purchase Protection · up to $500
Imagine Visa Credit Card
—
Other protections: IHG One Rewards Credit Card
—
Imagine Visa Credit Card
3-bureau credit reporting
$0 fraud liability—you're protected

Pros & cons

Pros: 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
Imagine Visa Credit Card
No security deposit required (unsecured card)
Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
Available to consumers with poor or limited credit
Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
Cons: 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
Imagine Visa Credit Card
High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year)
Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee
Very high APR (36%)
Cash back redeems only as an automatic annual statement credit
Low initial credit limit (typically $300)

Card details

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

Category-by-Category Winner

The IHG One Rewards Credit Card wins in 2 of 3 categories. The Imagine Visa Credit Card leads in 1.

Dining

IHG One Rewards Credit Card earns 3X vs 1X

Utilities

Imagine Visa Credit Card earns 3X vs 2X

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.

Scenario	IHG One Rewards Credit Card	Imagine Visa Credit Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $173 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $188 Year one: $938	Rewards: $180 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: —	—	—
Heavy spender: $4,000/month	Rewards: $691 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $706 Year one: $1,456	Rewards: $720 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $621 ($400 initial limit (first year)) or $595 ($500 initial limit (first year)) or $545 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: —	—	—

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

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 IHG One Rewards Credit Card or Imagine Visa 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 IHG One Rewards Credit Card or the Imagine Visa Credit Card?: Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.

Explore More

IHG One Rewards Credit Card — Full Review All Chase Cards

Imagine Visa Credit Card — Full Review All WebBank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · WebBank 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.