IHG One Rewards Premier Credit Card or Chase United Explorer?

Chase United Explorer returns $230 over its fee and IHG One Rewards Premier Credit Card returns $30, so the fee difference comes down to which categories you use.

IHG One Rewards Premier Credit CardChase · $150 fee · 3 credits

Chase United ExplorerChase · $150 fee · 4 credits

NET VALUE+$30$180 credits

NET VALUE+$230$380 credits

CATEGORY	IHG ONE REWARDS PREMIER CREDIT CARD	UNITED EXPLORER
🌎Travel	$150	$200
🍽️Food & Dining	—	$120
🚗Transportation	—	$60
Hotel Free Night Certificates	IHG 50k Free Night	—
Total credits	$180	$380
Annual fee	$150	$150
Net value	+$30	+$230

CHASEIHG One Rewards Premier Credit Card

FEE$150

CREDITS$180

NET+$30

Category wins0 of 3

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

IHG 50k Free Night

BEST NET VALUE

CHASEChase United Explorer

FEE$150

CREDITS$380

NET+$230

Category wins3 of 3

TAKE THE UNITED EXPLORER IF

You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $180 here and nothing on the IHG One Rewards Premier Credit Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.

Start tracking free

Frequently asked questions

Which is better, IHG One Rewards Premier Credit Card or Chase United Explorer?

The Chase United Explorer is better with $230 net annual value compared to the IHG One Rewards Premier Credit Card at $30. The Chase United Explorer wins by $200/year.

What's the difference between IHG One Rewards Premier Credit Card and Chase United Explorer?

The key differences: Chase United Explorer has a $150 annual fee and $380 in annual benefits, while IHG One Rewards Premier Credit Card has a $150 annual fee and $180 in annual benefits.

Is the Chase United Explorer worth it compared to the IHG One Rewards Premier Credit Card?

Yes, the Chase United Explorer offers better value with $230 net annual value compared to $30 for the IHG One Rewards Premier Credit Card. It also has a similar annual fee.

Which card is better for food_and_dining?

The Chase United Explorer is better for food_and_dining with $120 in annual food_and_dining benefits compared to $0 for the IHG One Rewards Premier Credit Card.

Should I get the Chase United Explorer?

If you're deciding between the IHG One Rewards Premier Credit Card and Chase United Explorer, the Chase United Explorer is the better choice with $230 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.