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Chase Iberia 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. Iberia 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. Iberia Visa Signature 1.4% 1x base rate

Groceries

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

Gas

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

Streaming

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

Phone & internet

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

Utilities

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

Hotels

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

What the numbers are doing

Iberia 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 Iberia 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: Iberia 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 elseIberia 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%
HotelsIberia 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. Iberia Visa Signature — 1.4%
  2. IHG One Rewards Credit Card — 1.2%

Dining

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

Groceries

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

Gas

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

Streaming

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

Phone & internet

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

Utilities

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

Hotels

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