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Chase IHG One Rewards Premier vs United Business Card

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. United Business Card 1.2% 1x base rate

Dining

  1. IHG One Rewards Premier 3.0% 5x
  2. United Business Card 2.4% 2x

Groceries

  1. IHG One Rewards Premier 3.0% 5x
  2. United Business Card 1.2% 1x base rate

Gas

  1. IHG One Rewards Premier 3.0% 5x
  2. United Business Card 2.4% 2x

Travel

  1. IHG One Rewards Premier 3.0% 5x
  2. United Business Card 1.2% 1x base rate

Hotels

  1. IHG One Rewards Premier 6.0% 10x
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. IHG One Rewards Premier 1.8% 3x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. IHG One Rewards Premier 1.8% 3x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. IHG One Rewards Premier 1.8% 3x base rate

What the numbers are doing

United Business Card tops public transit at 2.4% only because this table values its points at 1.2 cents each. Value them at one cent and IHG One Rewards Premier wins that category instead.

Where they differ: IHG One Rewards Premier takes everything else, dining, groceries and gas, plus 2 more; United Business Card takes public transit, rideshare & taxis and tolls.

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%
HotelsIHG One Rewards Premier6.0%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

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. United Business Card — 1.2%

Dining

  1. IHG One Rewards Premier — 3.0%
  2. United Business Card — 2.4%

Groceries

  1. IHG One Rewards Premier — 3.0%
  2. United Business Card — 1.2%

Gas

  1. IHG One Rewards Premier — 3.0%
  2. United Business Card — 2.4%

Travel

  1. IHG One Rewards Premier — 3.0%
  2. United Business Card — 1.2%

Hotels

  1. IHG One Rewards Premier — 6.0%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. IHG One Rewards Premier — 1.8%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. IHG One Rewards Premier — 1.8%

Tolls

  1. United Business Card — 2.4%
  2. IHG One Rewards Premier — 1.8%
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