IHG Traveler vs United Club
IHG Traveler
$0/yr
7.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
IHG Traveler charges no annual fee with 1X base rewards. United Club charges $695/yr with 1X base rewards. IHG Traveler offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
IHG Traveler
Lower annual fee ($0 vs $695)
Rewards Earning
IHG Traveler
5 earning categories
Benefits & Protection
IHG Traveler
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
IHG Traveler wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for IHG TravelerPREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
IHG Traveler
| IHG Hotels & Resorts | 5.0X |
| Dining | 3.0X |
| Gas stations | 3.0X |
| Groceries | 3.0X |
| Everything else | 2.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |