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Chase Disney Inspire Visa 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. IHG One Rewards Credit Card 1.2% 2x base rate
  2. Disney Inspire Visa Card 1.0% 1x base rate

Dining

  1. Disney Inspire Visa Card 2.0% 2x
  2. IHG One Rewards Credit Card 1.8% 3x

Groceries

  1. Disney Inspire Visa Card 2.0% 2x
  2. IHG One Rewards Credit Card 1.8% 3x

Gas

  1. Disney Inspire Visa Card 3.0% 3x
  2. IHG One Rewards Credit Card 1.8% 3x

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Disney Inspire Visa Card 1.0% 1x base rate

What the numbers are doing

Disney Inspire Visa Card tops dining at 2.0% only because this table values its points at 1 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 Disney Inspire Visa Card $149 and IHG One Rewards Credit Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: IHG One Rewards Credit Card takes everything else, streaming, phone & internet and utilities; Disney Inspire Visa Card takes dining, groceries and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Credit Card1.2%
DiningDisney Inspire Visa Card2.0%
GroceriesDisney Inspire Visa Card2.0%
GasDisney Inspire Visa Card3.0%
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. IHG One Rewards Credit Card — 1.2%
  2. Disney Inspire Visa Card — 1.0%

Dining

  1. Disney Inspire Visa Card — 2.0%
  2. IHG One Rewards Credit Card — 1.8%

Groceries

  1. Disney Inspire Visa Card — 2.0%
  2. IHG One Rewards Credit Card — 1.8%

Gas

  1. Disney Inspire Visa Card — 3.0%
  2. IHG One Rewards Credit Card — 1.8%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. Disney Inspire Visa Card — 1.0%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. Disney Inspire Visa Card — 1.0%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. Disney Inspire Visa Card — 1.0%
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