COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
Chase remove | |
|---|---|
| Annual fee | $0 |
| Foreign txn fee | 0% |
| Rewards | IHG One Rewards |
| Credits (realistic / face) | $84 / $160 |
| Earning by category | |
| Everything else | 1% 2x IHG pts |
| Dining & restaurants | 1.5% 3x IHG pts |
| Food delivery apps | 1.5% 3x IHG pts |
| Gas stations | 1.5% 3x IHG pts |
| Streaming services | 1.5% 3x IHG pts |
| Phone, internet, cable | 1.5% 3x IHG pts |
| Utilities | 1.5% 3x 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 | |
| No annual fee | ✓ No annual fee |
| No foreign transaction fees | ✓ No foreign transaction fees |
| Hotel elite status | ✓ Automatic IHG Silver Elite (Gold Elite after $20k/yr spend) |
| Anniversary points/miles bonus | ✓ 10,000 bonus points after $10,000 annual spend |
| Other | ✓ 4th Reward Night free |
| 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 |