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Card Comparison

Bank of America Unlimited Cash Rewards vs IHG One Rewards Traveler Credit Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Unlimited Cash Rewards card art
Bank of America Cash Rewards
Bank of America Unlimited Cash Rewards
Bank of America
More Info
IHG One Rewards Traveler Credit Card card art
IHG One Rewards
IHG One Rewards Traveler Credit Card
Chase
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
80,000 points
Spend $2,000 in 3 months
Top Earn Rates
  • All Purchases 1.5x
  • Participating IHG Hotels 5x
  • Dining 3x
  • Utilities 3x
Reward Type
cashback
miles
Key Credits
None
None
Card Perks
None listed
  • 4th award night free
  • Silver Elite Status
Transfer Partners
Cash back only
No transfer partners
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Common Questions: Bank of America Unlimited Cash Rewards vs IHG One Rewards Traveler Credit Card

Is the Bank of America Unlimited Cash Rewards or IHG One Rewards Traveler Credit Card better for dining?

Bank of America Unlimited Cash Rewards has no dining bonus; IHG One Rewards Traveler Credit Card earns 3x on dining.

Which has the higher signup bonus in 2026?

Bank of America Unlimited Cash Rewards currently offers $200 signup bonus (spend $5,000 in 3 months). IHG One Rewards Traveler Credit Card offers 80,000 pts signup bonus (spend $2,000 in 3 months). IHG One Rewards Traveler Credit Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Bank of America Unlimited Cash Rewards and the IHG One Rewards Traveler Credit Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Unlimited Cash Rewards is from Bank of America and IHG One Rewards Traveler Credit Card is from Chase, so they're governed by separate bank policies.