CardflareIHG One Rewards Credit Card
Chase
Key facts
- Annual fee$0
- RewardsPoints
- Everything else earns2x points
- Minimum credit score670
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel (hotel) | 5x points | No cap stated |
| Dining | 3x points | No cap stated |
| Gas | 3x points | No cap stated |
| Groceries | 3x points | No cap stated |
| Utilities | 2x points | No cap stated |
| Streaming | 2x points | No cap stated |
| Everything else | 2x points | No cap stated |
Rates that change
- 3x points on Utilities until 2026-12-31
- 3x points on Streaming until 2026-12-31
Signup bonus
125,000 points after $2,000 of spend in the first 3 months.
Credits and benefits
The credits the catalog models as fee offsets. Not a complete list of every perk.
- $120 a year at DoorDash DashPass, activation required — One year complimentary, then auto-enrolled at the monthly rate
- $10 a month at DoorDash — $10 off one non-restaurant order per month for DashPass enrollees from 9/1/2026 (earlier enrollees: quarterly)
- $10 a month at Instacart, activation required — Requires an active Instacart+ membership
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Chase; the card name is its owner's trademark.