IHG One Rewards Traveler Credit Card vs U.S. Bank Business Triple Cash Rewards World Elite Mastercard

Side-by-side comparison of IHG One Rewards Traveler Credit Card and U.S. Bank Business Triple Cash Rewards World Elite Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	IHG One Rewards Traveler Credit Card	U.S. Bank Business Triple Cash Rewards World Elite Mastercard
Issuer	Chase	U.S. Bank
Network	Mastercard	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	2.00%	1.00%
Travel Rewards	3.00x	5.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	1.0% (base)
Hotels	17.0%	1.0% (base)
Gas Stations	3.0%	3.0%
Restaurants	3.0%	3.0%
Streaming	3.0%	1.0% (base)
Utilities	3.0%	1.0% (base)
Prepaid car and hotel reservations via Rewards Center	2.0% (base)	5.0%
Office Supplies	2.0% (base)	3.0%
Telecommunications	2.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.49% - 21.49%	18.24% - 27.24%
Cash Advance APR	21.74%	29.99%
Penalty APR	23.24%	N/A
Late Fee	$40	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	✓	—
Purchase Protection	120 days	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard