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Chase Aer Lingus Visa Signature vs IHG One Rewards Credit Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Aer Lingus Visa Signature 1.4% 1x base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Groceries

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Gas

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Hotels

  1. Aer Lingus Visa Signature 2.8% 2x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

What the numbers are doing

Aer Lingus Visa Signature tops everything else at 1.4% only because this table values its points at 1.4 cents each. Value them at one cent and IHG One Rewards Credit Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Aer Lingus Visa Signature $95 and IHG One Rewards Credit Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Aer Lingus Visa Signature takes everything else and hotels; IHG One Rewards Credit Card takes dining, groceries, gas and streaming, plus 2 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAer Lingus Visa Signature1.4%
DiningIHG One Rewards Credit Card1.8%
GroceriesIHG One Rewards Credit Card1.8%
GasIHG One Rewards Credit Card1.8%
StreamingIHG One Rewards Credit Card1.8%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%
HotelsAer Lingus Visa Signature2.8%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Aer Lingus Visa Signature — 1.4%
  2. IHG One Rewards Credit Card — 1.2%

Dining

  1. IHG One Rewards Credit Card — 1.8%
  2. Aer Lingus Visa Signature — 1.4%

Groceries

  1. IHG One Rewards Credit Card — 1.8%
  2. Aer Lingus Visa Signature — 1.4%

Gas

  1. IHG One Rewards Credit Card — 1.8%
  2. Aer Lingus Visa Signature — 1.4%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. Aer Lingus Visa Signature — 1.4%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. Aer Lingus Visa Signature — 1.4%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. Aer Lingus Visa Signature — 1.4%

Hotels

  1. Aer Lingus Visa Signature — 2.8%
  2. IHG One Rewards Credit Card — 1.2%
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