Card Comparison
IHG One Rewards Traveler Credit Card vs United Club
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$695/yr
Foreign Fees
None
None
Signup Bonus
80,000 points
Spend $2,000 in 3 months
90,000 points
Spend $5,000 in 3 months
Top Earn Rates
- Participating IHG Hotels 5x
- Dining 3x
- Utilities 3x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
Reward Type
miles
miles
Key Credits
None
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
Card Perks
- 4th award night free
- Silver Elite Status
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
Transfer Partners
No transfer partners
No transfer partners
Common Questions: IHG One Rewards Traveler Credit Card vs United Club
Is the IHG One Rewards Traveler Credit Card or United Club better for dining?
IHG One Rewards Traveler Credit Card earns 3x on dining; United Club earns 2x on dining. IHG One Rewards Traveler Credit Card wins for dining.
Which has the higher signup bonus in 2026?
IHG One Rewards Traveler Credit Card currently offers 80,000 pts signup bonus (spend $2,000 in 3 months). United Club offers 90,000 pts signup bonus (spend $5,000 in 3 months). United Club 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 IHG One Rewards Traveler Credit Card and the United Club?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.