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Chase IHG One Rewards Business Credit Card vs United Gateway 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 Gateway Card 1.2% 1x base rate

Dining

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

Gas

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

Travel

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

Advertising

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

Public transit

  1. United Gateway Card 2.4% 2x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Rideshare & taxis

  1. United Gateway Card 2.4% 2x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

Tolls

  1. United Gateway Card 2.4% 2x
  2. IHG One Rewards Business Credit Card 1.8% 3x base rate

What the numbers are doing

United Gateway Card tops public transit at 2.4% 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 Gateway Card $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; United Gateway Card takes public transit, rideshare & taxis and tolls.

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%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway Card2.4%

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 Gateway Card — 1.2%

Dining

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

Gas

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

Travel

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

Advertising

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

Public transit

  1. United Gateway Card — 2.4%
  2. IHG One Rewards Business Credit Card — 1.8%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. IHG One Rewards Business Credit Card — 1.8%

Tolls

  1. United Gateway Card — 2.4%
  2. IHG One Rewards Business Credit Card — 1.8%
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