COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
Chase remove | |
|---|---|
| Annual fee | $99 |
| Foreign txn fee | 0% |
| Rewards | IHG One Rewards |
| Credits (realistic / face) | $174 / $340 |
| Earning by category | |
| Everything else | 1.5% 3x IHG pts |
| Dining & restaurants | 2.5% 5x IHG pts |
| Food delivery apps | 2.5% 5x IHG pts |
| Gas stations | 2.5% 5x IHG pts |
| Travel (general) | 2.5% 5x IHG pts |
| Airfare (booked direct) | 2.5% 5x IHG pts |
| Hotels (booked direct) | 2.5% 5x IHG pts |
| Vacation rentals | 2.5% 5x IHG pts |
| Rental cars | 2.5% 5x IHG pts |
| Cruises | 2.5% 5x IHG pts |
| Transit | 2.5% 5x IHG pts |
| Rideshare | 2.5% 5x IHG pts |
| Parking & tolls | 2.5% 5x IHG pts |
| Issuer travel portal | 2.5% 5x IHG pts |
| Online travel agencies | 2.5% 5x IHG pts |
| Protections | |
| rental car | secondary |
| cell phone | — |
| purchase protection | 120 days from purchase (90 days NY), up to $500 per item against damage or theft |
| extended warranty | +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total) |
| trip cancellation | Up to $5,000 per covered traveler / $10,000 per trip |
| trip delay | — |
| baggage delay | Up to $100/day for up to 3 days after a 6+ hour delay |
| return protection | — |
| Benefits | |
| Annual free night certificate | ✓ Anniversary Free Night (up to 40,000 points, top-off allowed) |
| Hotel elite status | ✓ Automatic IHG Platinum Elite (Diamond Elite after $40k/yr spend) |
| Anniversary points/miles bonus | ✓ 10,000 points + $100 credit at $20,000 annual spend |
| Other | ✓ 4th Reward Night free |
| Global Entry / TSA PreCheck / NEXUS credit | ✓ Global Entry / TSA PreCheck / NEXUS credit |
| Airline incidental fee credit | ✓ United TravelBank Cash |
| No foreign transaction fees | ✓ No foreign transaction fees |
| Complimentary membership (Walmart+, DashPass, Instacart+, Lyft Pink, Apple TV+, etc.) | ✓ DashPass (12 months) and Instacart+ (3 months) |
| Secondary rental car collision coverage | ✓ Auto rental collision damage waiver (secondary) |
| Trip cancellation / interruption insurance | ✓ Trip cancellation / interruption insurance |
| Baggage delay insurance | ✓ Baggage delay insurance |
| Lost luggage reimbursement | ✓ Lost luggage reimbursement |
| Travel accident insurance | ✓ Travel accident insurance |
| Purchase protection | ✓ Purchase protection |
| Extended warranty | ✓ Extended warranty protection |