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Chase IHG One Rewards Business Credit Card vs Ink Business Cash

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. Ink Business Cash 1.0% 1% base rate

Dining

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Ink Business Cash 2.0% 2%

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Ink Business Cash 2.0% 2%

Travel

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Ink Business Cash 1.0% 1% base rate

Phone & internet

  1. Ink Business Cash 5.0% 5%
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Advertising

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Ink Business Cash 1.0% 1% base rate

Lyft

  1. Ink Business Cash 5.0% 5%
  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 IHG One Rewards Business Credit Card $200 and Ink Business Cash $0 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, dining, gas and travel, plus 1 more; Ink Business Cash takes phone & internet and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Business Credit Card1.8%
DiningIHG One Rewards Business Credit Card3.0%
GasIHG One Rewards Business Credit Card3.0%
TravelIHG One Rewards Business Credit Card3.0%
Phone & internetInk Business Cash5.0%
AdvertisingIHG One Rewards Business Credit Card3.0%
LyftInk Business Cash5.0%

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. Ink Business Cash — 1.0%

Dining

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Ink Business Cash — 2.0%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Ink Business Cash — 2.0%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Ink Business Cash — 1.0%

Phone & internet

  1. Ink Business Cash — 5.0%
  2. IHG One Rewards Business Credit Card — 1.8%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Ink Business Cash — 1.0%

Lyft

  1. Ink Business Cash — 5.0%
  2. IHG One Rewards Business Credit Card — 1.8%
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