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Chase Air Canada Aeroplan Card vs IHG One Rewards Business 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. IHG One Rewards Business Credit Card 1.8% 3x base rate
  2. Air Canada Aeroplan Card 1.5% 1x base rate

Dining

  1. Air Canada Aeroplan Card 4.5% 3x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Groceries

  1. Air Canada Aeroplan Card 4.5% 3x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Gas

  1. Air Canada Aeroplan Card 3.0% 2x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Travel

  1. Air Canada Aeroplan Card 4.5% 3x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Advertising

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Air Canada Aeroplan Card 1.5% 1x base rate

What the numbers are doing

Air Canada Aeroplan Card tops dining at 4.5% only because this table values its points at 1.5 cents each. Value them at one cent and IHG One Rewards Business Credit Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Air Canada Aeroplan Card $195 and IHG One Rewards Business Credit Card $200 a year, so a thin lead in one category may not cover the difference.

Where they differ: IHG One Rewards Business Credit Card takes everything else and advertising; Air Canada Aeroplan Card takes dining, groceries and travel.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Business Credit Card1.8%
DiningAir Canada Aeroplan Card4.5%
GroceriesAir Canada Aeroplan Card4.5%
GasAir Canada Aeroplan Card3.0%
TravelAir Canada Aeroplan Card4.5%
AdvertisingIHG One Rewards Business Credit Card3.0%

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. IHG One Rewards Business Credit Card — 1.8%
  2. Air Canada Aeroplan Card — 1.5%

Dining

  1. Air Canada Aeroplan Card — 4.5%
  2. IHG One Rewards Business Credit Card — 3.0%

Groceries

  1. Air Canada Aeroplan Card — 4.5%
  2. IHG One Rewards Business Credit Card — 1.8%

Gas

  1. Air Canada Aeroplan Card — 3.0%
  2. IHG One Rewards Business Credit Card — 3.0%

Travel

  1. Air Canada Aeroplan Card — 4.5%
  2. IHG One Rewards Business Credit Card — 3.0%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Air Canada Aeroplan Card — 1.5%
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