Chase IHG One Rewards Premier vs United Explorer 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 Explorer Card 1.2% 1x base rate
Dining
- IHG One Rewards Premier 3.0% 5x
- United Explorer Card 2.4% 2x
Groceries
- IHG One Rewards Premier 3.0% 5x
- United Explorer Card 1.2% 1x base rate
Gas
- IHG One Rewards Premier 3.0% 5x
- United Explorer Card 1.2% 1x base rate
Travel
- IHG One Rewards Premier 3.0% 5x
- United Explorer Card 1.2% 1x base rate
Flights
- United Explorer Card 3.6% 3x
- IHG One Rewards Premier 3.0% 5x
Hotels
- IHG One Rewards Premier 6.0% 10x
- United Explorer Card 2.4% 2x
What the numbers are doing
United Explorer Card tops flights at 3.6% 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 Explorer Card takes flights.
| 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% |
| Flights | United Explorer Card3.6% |
| 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 Explorer Card — 1.2%
Dining
- IHG One Rewards Premier — 3.0%
- United Explorer Card — 2.4%
Groceries
- IHG One Rewards Premier — 3.0%
- United Explorer Card — 1.2%
Gas
- IHG One Rewards Premier — 3.0%
- United Explorer Card — 1.2%
Travel
- IHG One Rewards Premier — 3.0%
- United Explorer Card — 1.2%
Flights
- United Explorer Card — 3.6%
- IHG One Rewards Premier — 3.0%
Hotels
- IHG One Rewards Premier — 6.0%
- United Explorer Card — 2.4%
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