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Chase IHG One Rewards Premier vs Sapphire Reserve

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

Dining

  1. Sapphire Reserve 6.2% 3x
  2. IHG One Rewards Premier 3.0% 5x

Groceries

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

Gas

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

Travel

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

Travel · portal

  1. Sapphire Reserve · Chase Travel 16.4% 8x

Flights

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

Hotels

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

Peloton

  1. Sapphire Reserve 20.5% 10x
  2. IHG One Rewards Premier 1.8% 3x base rate

Lyft

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

What the numbers are doing

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

Where they differ: Sapphire Reserve takes everything else, dining, flights and hotels, plus 2 more; IHG One Rewards Premier takes groceries, gas and travel.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve2.1%
DiningSapphire Reserve6.2%
GroceriesIHG One Rewards Premier3.0%
GasIHG One Rewards Premier3.0%
TravelIHG One Rewards Premier3.0%
Travel · portalSapphire Reserve · Chase Travel16.4%
FlightsSapphire Reserve8.2%
HotelsSapphire Reserve8.2%
PelotonSapphire Reserve20.5%
LyftSapphire Reserve10.3%

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 — 2.1%
  2. IHG One Rewards Premier — 1.8%

Dining

  1. Sapphire Reserve — 6.2%
  2. IHG One Rewards Premier — 3.0%

Groceries

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

Gas

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

Travel

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

Travel · portal

  1. Sapphire Reserve · Chase Travel — 16.4%

Flights

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

Hotels

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

Peloton

  1. Sapphire Reserve — 20.5%
  2. IHG One Rewards Premier — 1.8%

Lyft

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