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Chase IHG One Rewards Premier vs Ink Business Premier

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 Premier 2.0% 2% base rate
  2. IHG One Rewards Premier 1.8% 3x base rate

Dining

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Premier 2.0% 2% base rate

Groceries

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Premier 2.0% 2% base rate

Gas

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Premier 2.0% 2% base rate

Travel

  1. IHG One Rewards Premier 3.0% 5x
  2. Ink Business Premier 2.0% 2% base rate

Travel · portal

  1. Ink Business Premier · Chase Travel 5.0% 5%

Hotels

  1. IHG One Rewards Premier 6.0% 10x
  2. Ink Business Premier 2.0% 2% base rate

Lyft

  1. Ink Business Premier 5.0% 5%
  2. IHG One Rewards Premier 1.8% 3x base rate

What the numbers are doing

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 Premier $195 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Premier takes everything else and lyft; IHG One Rewards Premier takes dining, groceries, gas and travel, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Premier2.0%
DiningIHG One Rewards Premier3.0%
GroceriesIHG One Rewards Premier3.0%
GasIHG One Rewards Premier3.0%
TravelIHG One Rewards Premier3.0%
Travel · portalInk Business Premier · Chase Travel5.0%
HotelsIHG One Rewards Premier6.0%
LyftInk Business Premier5.0%

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 Premier — 2.0%
  2. IHG One Rewards Premier — 1.8%

Dining

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Premier — 2.0%

Groceries

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Premier — 2.0%

Gas

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Premier — 2.0%

Travel

  1. IHG One Rewards Premier — 3.0%
  2. Ink Business Premier — 2.0%

Travel · portal

  1. Ink Business Premier · Chase Travel — 5.0%

Hotels

  1. IHG One Rewards Premier — 6.0%
  2. Ink Business Premier — 2.0%

Lyft

  1. Ink Business Premier — 5.0%
  2. IHG One Rewards Premier — 1.8%
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