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Chase IHG One Rewards Premier vs Ink Business Preferred

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. Ink Business Preferred 2.1% 1x base rate
  2. IHG One Rewards Premier 1.8% 3x base rate

Dining

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Preferred 2.1% 1x base rate

Groceries

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Preferred 2.1% 1x base rate

Gas

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Preferred 2.1% 1x base rate

Travel

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Preferred 2.1% 1x base rate

Phone & internet

  1. Ink Business Preferred 6.2% 3x
  2. IHG One Rewards Premier 1.8% 3x base rate

Shipping

  1. Ink Business Preferred 6.2% 3x
  2. IHG One Rewards Premier 1.8% 3x base rate

Advertising

  1. Ink Business Preferred 6.2% 3x
  2. IHG One Rewards Premier 1.8% 3x base rate

Flights

  1. Ink Business Preferred 6.2% 3x
  2. IHG One Rewards Premier 3.0% 5x

Hotels

  1. Ink Business Preferred 6.2% 3x
  2. IHG One Rewards Premier 6.0% 10x

Lyft

  1. Ink Business Preferred 10.3% 5x
  2. IHG One Rewards Premier 1.8% 3x base rate

What the numbers are doing

Ink Business Preferred 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 Premier wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge IHG One Rewards Premier $150 and Ink Business Preferred $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Preferred takes everything else, phone & internet, shipping and advertising, plus 3 more; IHG One Rewards Premier takes dining, groceries, gas and travel.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred2.1%
DiningIHG One Rewards Premier3.0%
GroceriesIHG One Rewards Premier3.0%
GasIHG One Rewards Premier3.0%
TravelIHG One Rewards Premier3.0%
Phone & internetInk Business Preferred6.2%
ShippingInk Business Preferred6.2%
AdvertisingInk Business Preferred6.2%
FlightsInk Business Preferred6.2%
HotelsInk Business Preferred6.2%
LyftInk Business Preferred10.3%

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. Ink Business Preferred — 2.1%
  2. IHG One Rewards Premier — 1.8%

Dining

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Preferred — 2.1%

Groceries

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Preferred — 2.1%

Gas

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Preferred — 2.1%

Travel

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Preferred — 2.1%

Phone & internet

  1. Ink Business Preferred — 6.2%
  2. IHG One Rewards Premier — 1.8%

Shipping

  1. Ink Business Preferred — 6.2%
  2. IHG One Rewards Premier — 1.8%

Advertising

  1. Ink Business Preferred — 6.2%
  2. IHG One Rewards Premier — 1.8%

Flights

  1. Ink Business Preferred — 6.2%
  2. IHG One Rewards Premier — 3.0%

Hotels

  1. Ink Business Preferred — 6.2%
  2. IHG One Rewards Premier — 6.0%

Lyft

  1. Ink Business Preferred — 10.3%
  2. IHG One Rewards Premier — 1.8%
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