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Chase Freedom Unlimited 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. Freedom Unlimited 1.5% 1.5% base rate

Dining

  1. Freedom Unlimited 3.0% 3%
  2. IHG One Rewards Business Credit Card 3.0% 5x

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Freedom Unlimited 1.5% 1.5% base rate

Travel

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Freedom Unlimited 1.5% 1.5% base rate

Travel · portal

  1. Freedom Unlimited · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Unlimited 3.0% 3%
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Advertising

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Freedom Unlimited 1.5% 1.5% base rate

Lyft

  1. Freedom Unlimited 2.0% 2%
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Unlimited $0 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, gas, travel and advertising; Freedom Unlimited takes drugstores and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Business Credit Card1.8%
DiningFreedom Unlimited3.0%
GasIHG One Rewards Business Credit Card3.0%
TravelIHG One Rewards Business Credit Card3.0%
Travel · portalFreedom Unlimited · Chase Travel5.0%
DrugstoresFreedom Unlimited3.0%
AdvertisingIHG One Rewards Business Credit Card3.0%
LyftFreedom Unlimited2.0%

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. Freedom Unlimited — 1.5%

Dining

  1. Freedom Unlimited — 3.0%
  2. IHG One Rewards Business Credit Card — 3.0%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Freedom Unlimited — 1.5%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Freedom Unlimited — 1.5%

Travel · portal

  1. Freedom Unlimited · Chase Travel — 5.0%

Drugstores

  1. Freedom Unlimited — 3.0%
  2. IHG One Rewards Business Credit Card — 1.8%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Freedom Unlimited — 1.5%

Lyft

  1. Freedom Unlimited — 2.0%
  2. IHG One Rewards Business Credit Card — 1.8%
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