Chase IHG One Rewards Premier vs United Club Business Card
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
- United Club Business Card 1.8% 1.5x base rate
Dining
- IHG One Rewards Premier 3.0% 5x
- United Club Business Card 1.8% 1.5x base rate
Groceries
- IHG One Rewards Premier 3.0% 5x
- United Club Business Card 1.8% 1.5x base rate
Gas
- IHG One Rewards Premier 3.0% 5x
- United Club Business Card 1.8% 1.5x base rate
Travel
- IHG One Rewards Premier 3.0% 5x
- United Club Business Card 1.8% 1.5x base rate
Hotels
- IHG One Rewards Premier 6.0% 10x
- United Club Business Card 1.8% 1.5x 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 United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.
Where they differ: IHG One Rewards Premier takes dining, groceries, gas and travel, plus 1 more. United Club Business Card wins nothing outright in this wallet.
| 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% |
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%
- United Club Business Card — 1.8%
Dining
- IHG One Rewards Premier — 3.0%
- United Club Business Card — 1.8%
Groceries
- IHG One Rewards Premier — 3.0%
- United Club Business Card — 1.8%
Gas
- IHG One Rewards Premier — 3.0%
- United Club Business Card — 1.8%
Travel
- IHG One Rewards Premier — 3.0%
- United Club Business Card — 1.8%
Hotels
- IHG One Rewards Premier — 6.0%
- United Club Business Card — 1.8%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.