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Chase IHG One Rewards Premier vs Sapphire Reserve for Business

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. Sapphire Reserve for Business 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. Sapphire Reserve for Business 2.1% 1x base rate

Groceries

  1. IHG One Rewards Premier 3.0% 5x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Gas

  1. IHG One Rewards Premier 3.0% 5x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel

  1. IHG One Rewards Premier 3.0% 5x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel 16.4% 8x

Advertising

  1. Sapphire Reserve for Business 6.2% 3x
  2. IHG One Rewards Premier 1.8% 3x base rate

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. IHG One Rewards Premier 3.0% 5x

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. IHG One Rewards Premier 6.0% 10x

Lyft

  1. Sapphire Reserve for Business 10.3% 5x
  2. IHG One Rewards Premier 1.8% 3x base rate

What the numbers are doing

Sapphire Reserve for Business 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 Sapphire Reserve for Business $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve for Business takes everything else, advertising, flights and hotels, plus 1 more; IHG One Rewards Premier takes dining, groceries, gas and travel.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve for Business2.1%
DiningIHG One Rewards Premier3.0%
GroceriesIHG One Rewards Premier3.0%
GasIHG One Rewards Premier3.0%
TravelIHG One Rewards Premier3.0%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
AdvertisingSapphire Reserve for Business6.2%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
LyftSapphire Reserve for Business10.3%

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. Sapphire Reserve for Business — 2.1%
  2. IHG One Rewards Premier — 1.8%

Dining

  1. IHG One Rewards Premier — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Groceries

  1. IHG One Rewards Premier — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Gas

  1. IHG One Rewards Premier — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Travel

  1. IHG One Rewards Premier — 3.0%
  2. Sapphire Reserve for Business — 2.1%

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel — 16.4%

Advertising

  1. Sapphire Reserve for Business — 6.2%
  2. IHG One Rewards Premier — 1.8%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. IHG One Rewards Premier — 3.0%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. IHG One Rewards Premier — 6.0%

Lyft

  1. Sapphire Reserve for Business — 10.3%
  2. IHG One Rewards Premier — 1.8%
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