Editorial take: IHG One Rewards Traveler
The 4th-night-free benefit alone makes this a standout, on a 4-night IHG stay, you're effectively getting 25% off. Stack with transfer bonuses from Chase UR for serious savings.
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Side-by-side
IHG One Rewards Traveler vs Chase Ink Business Unlimited
Both are well-respected travel cards. The IHG One Rewards Traveler comes from Chase at $0/yr; the Chase Ink Business Unlimited from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($520 more in estimated value) than the IHG One Rewards Traveler's. Get the Chase Ink Business Unlimited first; revisit the IHG One Rewards Traveler after you've earned that bonus.
| Feature | IHG One Rewards Traveler | Chase Ink Business Unlimited |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 80,000 points | $1,000 bonus cash back |
| Bonus value (est.) | $480 | $1,000 |
| Min spend to unlock bonus | $2,000 in 3 mo | $8,000 in 4 mo |
| Issuer | Chase | Chase |
| Card category | hotel | business |
| Best earning category (Ihg) | 17x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
IHG One Rewards Traveler
$0/yr · 80,000 points
Read the full review
Chase Ink Business Unlimited
$0/yr · $1,000 bonus cash back
Editorial take: Chase Ink Business Unlimited
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase labels its best offer ever (issuer-verified 2026-07-18).
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Traveler or Chase Ink Business Unlimited?
- The Chase Ink Business Unlimited has the bigger bonus, $1,000 bonus cash back, worth roughly $1,000, versus 80,000 points (~$480) on the IHG One Rewards Traveler.
- Is the IHG One Rewards Traveler's $0 annual fee worth it compared to the Chase Ink Business Unlimited?
- The IHG One Rewards Traveler has no annual fee, so the question is whether the Chase Ink Business Unlimited's $0 fee is justified by its perks. If you'll use enough of the Chase Ink Business Unlimited's benefits to clear $0 in value annually, it's worth it; otherwise stick with the IHG One Rewards Traveler.
- Can I have both the IHG One Rewards Traveler and Chase Ink Business Unlimited?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the IHG One Rewards Traveler or the Chase Ink Business Unlimited first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Traveler: $2,000 spend in 3 months. Chase Ink Business Unlimited: $8,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.