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Chase Air Canada Aeroplan Card 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. Air Canada Aeroplan Card 1.5% 1x base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

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

Groceries

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

Gas

  1. Air Canada Aeroplan Card 3.0% 2x
  2. IHG One Rewards Credit Card 1.8% 3x

Travel

  1. Air Canada Aeroplan Card 4.5% 3x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Streaming

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

Phone & internet

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

Utilities

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

What the numbers are doing

Air Canada Aeroplan Card tops everything else at 1.5% only because this table values its points at 1.5 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 Air Canada Aeroplan Card $195 and IHG One Rewards Credit Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Air Canada Aeroplan Card takes everything else, dining, groceries and gas, plus 1 more; IHG One Rewards Credit Card takes streaming, phone & internet and utilities.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAir Canada Aeroplan Card1.5%
DiningAir Canada Aeroplan Card4.5%
GroceriesAir Canada Aeroplan Card4.5%
GasAir Canada Aeroplan Card3.0%
TravelAir Canada Aeroplan Card4.5%
StreamingIHG One Rewards Credit Card1.8%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%

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. Air Canada Aeroplan Card — 1.5%
  2. IHG One Rewards Credit Card — 1.2%

Dining

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

Groceries

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

Gas

  1. Air Canada Aeroplan Card — 3.0%
  2. IHG One Rewards Credit Card — 1.8%

Travel

  1. Air Canada Aeroplan Card — 4.5%
  2. IHG One Rewards Credit Card — 1.2%

Streaming

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

Phone & internet

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

Utilities

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