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Chase IHG One Rewards Premier vs United Gateway 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 Gateway Card 1.2% 1x base rate

Dining

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

Groceries

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

Gas

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

Travel

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

Hotels

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

Public transit

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

Rideshare & taxis

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

Tolls

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

What the numbers are doing

United Gateway 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.

The table is earn rate only — annual fees are not netted out of it. These cards charge IHG One Rewards Premier $150 and United Gateway Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: IHG One Rewards Premier takes everything else, dining, groceries and gas, plus 2 more; United Gateway 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 Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway 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 Gateway Card — 1.2%

Dining

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

Groceries

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

Gas

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

Travel

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

Hotels

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

Public transit

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

Rideshare & taxis

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

Tolls

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