pointslip milestomorrow.com

Chase IHG One Rewards Business Credit Card vs Southwest Rapid Rewards Priority

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. Southwest Rapid Rewards Priority 1.3% 1x base rate

Dining

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Southwest Rapid Rewards Priority 2.5% 2x

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Southwest Rapid Rewards Priority 2.5% 2x

Travel

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Southwest Rapid Rewards Priority 1.3% 1x base rate

Advertising

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Southwest Rapid Rewards Priority 1.3% 1x base rate

Flights

  1. Southwest Rapid Rewards Priority 5.0% 4x
  2. IHG One Rewards Business Credit Card 3.0% 5x

Lyft

  1. Southwest Rapid Rewards Priority 6.3% 5x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

What the numbers are doing

Southwest Rapid Rewards Priority tops flights at 5.0% only because this table values its points at 1.25 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 Southwest Rapid Rewards Priority $229 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; Southwest Rapid Rewards Priority takes flights 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%
AdvertisingIHG One Rewards Business Credit Card3.0%
FlightsSouthwest Rapid Rewards Priority5.0%
LyftSouthwest Rapid Rewards Priority6.3%

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. IHG One Rewards Business Credit Card — 1.8%
  2. Southwest Rapid Rewards Priority — 1.3%

Dining

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Southwest Rapid Rewards Priority — 2.5%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Southwest Rapid Rewards Priority — 2.5%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Southwest Rapid Rewards Priority — 1.3%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Southwest Rapid Rewards Priority — 1.3%

Flights

  1. Southwest Rapid Rewards Priority — 5.0%
  2. IHG One Rewards Business Credit Card — 3.0%

Lyft

  1. Southwest Rapid Rewards Priority — 6.3%
  2. IHG One Rewards Business Credit Card — 1.8%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.