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 |
| Office supplies | 2.5% 5x IHG pts |
| Advertising | 2.5% 5x IHG pts |
| Protections | |
| rental car | primary |
| cell phone | — |
| purchase protection | 120 days from purchase (90 days NY), up to $10,000 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 $1,500 per covered traveler / $6,000 per trip (Chase protection page; Upgraded Points 2026-08-13 lists $5,000/$10,000 - Chase's number used) |
| trip delay | — |
| baggage delay | — |
| return protection | — |
| Benefits | |
| Annual free night certificate | ✓ Anniversary Free Night (up to 40,000 points; 50,000 from 2027) |
| Other | ✓ Additional Free Night after $60,000 annual spend |
| 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 |
| 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) |
| Primary rental car collision coverage | ✓ Auto rental collision damage waiver (primary for business rentals) |
| Trip cancellation / interruption insurance | ✓ Trip cancellation / interruption insurance |
| Purchase protection | ✓ Purchase protection |
| Extended warranty | ✓ Extended warranty protection |