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Chase IHG One Rewards Business Credit Card vs United Explorer 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. IHG One Rewards Business Credit Card 1.8% 3x base rate
  2. United Explorer Card 1.2% 1x base rate

Dining

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. United Explorer Card 2.4% 2x

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. United Explorer Card 1.2% 1x base rate

Travel

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. United Explorer Card 1.2% 1x base rate

Advertising

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. United Explorer Card 1.2% 1x base rate

Flights

  1. United Explorer Card 3.6% 3x
  2. IHG One Rewards Business Credit Card 3.0% 5x

What the numbers are doing

United Explorer Card tops flights at 3.6% only because this table values its points at 1.2 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 United Explorer Card $150 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; United Explorer Card takes flights.

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%
FlightsUnited Explorer Card3.6%

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. United Explorer Card — 1.2%

Dining

  1. IHG One Rewards Business Credit Card — 3.0%
  2. United Explorer Card — 2.4%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. United Explorer Card — 1.2%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. United Explorer Card — 1.2%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. United Explorer Card — 1.2%

Flights

  1. United Explorer Card — 3.6%
  2. IHG One Rewards Business Credit Card — 3.0%
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