Chase IHG One Rewards Premier vs Ink Business Unlimited
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- IHG One Rewards Premier 1.8% 3x base rate
- Ink Business Unlimited 1.5% 1.5% base rate
Dining
- IHG One Rewards Premier 3.0% 5x
- Ink Business Unlimited 1.5% 1.5% base rate
Groceries
- IHG One Rewards Premier 3.0% 5x
- Ink Business Unlimited 1.5% 1.5% base rate
Gas
- IHG One Rewards Premier 3.0% 5x
- Ink Business Unlimited 1.5% 1.5% base rate
Travel
- IHG One Rewards Premier 3.0% 5x
- Ink Business Unlimited 1.5% 1.5% base rate
Hotels
- IHG One Rewards Premier 6.0% 10x
- Ink Business Unlimited 1.5% 1.5% base rate
Lyft
- Ink Business Unlimited 5.0% 5%
- 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 Unlimited $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: IHG One Rewards Premier takes everything else, dining, groceries and gas, plus 2 more; Ink Business Unlimited takes lyft.
| Category | Best card |
|---|---|
| Everything else | IHG One Rewards Premier1.8% |
| Dining | IHG One Rewards Premier3.0% |
| Groceries | IHG One Rewards Premier3.0% |
| Gas | IHG One Rewards Premier3.0% |
| Travel | IHG One Rewards Premier3.0% |
| Hotels | IHG One Rewards Premier6.0% |
| Lyft | Ink Business Unlimited5.0% |
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
- IHG One Rewards Premier — 1.8%
- Ink Business Unlimited — 1.5%
Dining
- IHG One Rewards Premier — 3.0%
- Ink Business Unlimited — 1.5%
Groceries
- IHG One Rewards Premier — 3.0%
- Ink Business Unlimited — 1.5%
Gas
- IHG One Rewards Premier — 3.0%
- Ink Business Unlimited — 1.5%
Travel
- IHG One Rewards Premier — 3.0%
- Ink Business Unlimited — 1.5%
Hotels
- IHG One Rewards Premier — 6.0%
- Ink Business Unlimited — 1.5%
Lyft
- Ink Business Unlimited — 5.0%
- IHG One Rewards Premier — 1.8%
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