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Chase IHG One Rewards Premier vs Prime Visa

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 Premier 1.8% 3x base rate
  2. Prime Visa 1.0% 1% base rate

Dining

  1. IHG One Rewards Premier 3.0% 5x
  2. Prime Visa 2.0% 2%

Groceries

  1. IHG One Rewards Premier 3.0% 5x
  2. Prime Visa 1.0% 1% base rate

Gas

  1. IHG One Rewards Premier 3.0% 5x
  2. Prime Visa 2.0% 2%

Travel

  1. IHG One Rewards Premier 3.0% 5x
  2. Prime Visa 1.0% 1% base rate

Travel · portal

  1. Prime Visa · Chase Travel 5.0% 5%

Amazon

  1. Prime Visa 5.0% 5%
  2. IHG One Rewards Premier 1.8% 3x base rate

Whole Foods Market

  1. Prime Visa 5.0% 5%
  2. IHG One Rewards Premier 3.0% 5x

Hotels

  1. IHG One Rewards Premier 6.0% 10x
  2. Prime Visa 1.0% 1% base rate

Public transit

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

Rideshare & taxis

  1. Prime Visa 2.0% 2%
  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 Prime Visa $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; Prime Visa takes amazon, whole foods market, public transit and rideshare & taxis.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Premier1.8%
DiningIHG One Rewards Premier3.0%
GroceriesIHG One Rewards Premier3.0%
GasIHG One Rewards Premier3.0%
TravelIHG One Rewards Premier3.0%
Travel · portalPrime Visa · Chase Travel5.0%
AmazonPrime Visa5.0%
Whole Foods MarketPrime Visa5.0%
HotelsIHG One Rewards Premier6.0%
Public transitPrime Visa2.0%
Rideshare & taxisPrime Visa2.0%

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. IHG One Rewards Premier — 1.8%
  2. Prime Visa — 1.0%

Dining

  1. IHG One Rewards Premier — 3.0%
  2. Prime Visa — 2.0%

Groceries

  1. IHG One Rewards Premier — 3.0%
  2. Prime Visa — 1.0%

Gas

  1. IHG One Rewards Premier — 3.0%
  2. Prime Visa — 2.0%

Travel

  1. IHG One Rewards Premier — 3.0%
  2. Prime Visa — 1.0%

Travel · portal

  1. Prime Visa · Chase Travel — 5.0%

Amazon

  1. Prime Visa — 5.0%
  2. IHG One Rewards Premier — 1.8%

Whole Foods Market

  1. Prime Visa — 5.0%
  2. IHG One Rewards Premier — 3.0%

Hotels

  1. IHG One Rewards Premier — 6.0%
  2. Prime Visa — 1.0%

Public transit

  1. Prime Visa — 2.0%
  2. IHG One Rewards Premier — 1.8%

Rideshare & taxis

  1. Prime Visa — 2.0%
  2. IHG One Rewards Premier — 1.8%
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