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Chase IHG One Rewards Business Credit Card vs Sapphire Reserve for Business

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. Sapphire Reserve for Business 2.1% 1x base rate
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Dining

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel 16.4% 8x

Advertising

  1. Sapphire Reserve for Business 6.2% 3x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Lyft

  1. Sapphire Reserve for Business 10.3% 5x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

What the numbers are doing

Sapphire Reserve for Business tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and IHG One Rewards Business Credit Card wins that category instead.

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 Sapphire Reserve for Business $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve for Business takes everything else, advertising, flights and hotels, plus 1 more; IHG One Rewards Business Credit Card takes dining, gas and travel.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve for Business2.1%
DiningIHG One Rewards Business Credit Card3.0%
GasIHG One Rewards Business Credit Card3.0%
TravelIHG One Rewards Business Credit Card3.0%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
AdvertisingSapphire Reserve for Business6.2%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
LyftSapphire Reserve for Business10.3%

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. Sapphire Reserve for Business — 2.1%
  2. IHG One Rewards Business Credit Card — 1.8%

Dining

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel — 16.4%

Advertising

  1. Sapphire Reserve for Business — 6.2%
  2. IHG One Rewards Business Credit Card — 3.0%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. IHG One Rewards Business Credit Card — 3.0%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. IHG One Rewards Business Credit Card — 3.0%

Lyft

  1. Sapphire Reserve for Business — 10.3%
  2. IHG One Rewards Business Credit Card — 1.8%
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