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Chase IHG One Rewards Business Credit Card vs Prime Visa

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. Prime Visa 1.0% 1% base rate

Dining

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Prime Visa 2.0% 2%

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Prime Visa 2.0% 2%

Travel

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

Travel · portal

  1. Prime Visa · Chase Travel 5.0% 5%

Amazon

  1. Prime Visa 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. Prime Visa 1.0% 1% base rate

Whole Foods Market

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

Public transit

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

Rideshare & taxis

  1. Prime Visa 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 IHG One Rewards Business Credit Card $200 and Prime Visa $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; Prime Visa takes amazon, whole foods market, public transit and rideshare & taxis.

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%
Travel · portalPrime Visa · Chase Travel5.0%
AmazonPrime Visa5.0%
AdvertisingIHG One Rewards Business Credit Card3.0%
Whole Foods MarketPrime Visa5.0%
Public transitPrime Visa2.0%
Rideshare & taxisPrime Visa2.0%

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. Prime Visa — 1.0%

Dining

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Prime Visa — 2.0%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Prime Visa — 2.0%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Prime Visa — 1.0%

Travel · portal

  1. Prime Visa · Chase Travel — 5.0%

Amazon

  1. Prime Visa — 5.0%
  2. IHG One Rewards Business Credit Card — 1.8%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Prime Visa — 1.0%

Whole Foods Market

  1. Prime Visa — 5.0%
  2. IHG One Rewards Business Credit Card — 1.8%

Public transit

  1. Prime Visa — 2.0%
  2. IHG One Rewards Business Credit Card — 1.8%

Rideshare & taxis

  1. Prime Visa — 2.0%
  2. IHG One Rewards Business Credit Card — 1.8%
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