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Chase IHG One Rewards Credit Card vs IHG One Rewards Premier Select Credit 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 Select Credit Card 1.8% 3x base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. IHG One Rewards Credit Card 1.8% 3x

Groceries

  1. IHG One Rewards Credit Card 1.8% 3x
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x base rate

Gas

  1. IHG One Rewards Credit Card 1.8% 3x
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x base rate

Travel

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x base rate

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. IHG One Rewards Credit Card 1.2% 2x 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 Credit Card $0 and IHG One Rewards Premier Select Credit Card $350 a year, so a thin lead in one category may not cover the difference.

Where they differ: IHG One Rewards Premier Select Credit Card takes everything else, dining, travel and rideshare & taxis. IHG One Rewards Credit Card wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Premier Select Credit Card1.8%
DiningIHG One Rewards Premier Select Credit Card3.6%
GroceriesIHG One Rewards Credit Card1.8%
GasIHG One Rewards Credit Card1.8%
TravelIHG One Rewards Premier Select Credit Card3.6%
StreamingIHG One Rewards Credit Card1.8%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%
Rideshare & taxisIHG One Rewards Premier Select Credit Card3.6%

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 Select Credit Card — 1.8%
  2. IHG One Rewards Credit Card — 1.2%

Dining

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. IHG One Rewards Credit Card — 1.8%

Groceries

  1. IHG One Rewards Credit Card — 1.8%
  2. IHG One Rewards Premier Select Credit Card — 1.8%

Gas

  1. IHG One Rewards Credit Card — 1.8%
  2. IHG One Rewards Premier Select Credit Card — 1.8%

Travel

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. IHG One Rewards Credit Card — 1.2%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. IHG One Rewards Premier Select Credit Card — 1.8%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. IHG One Rewards Premier Select Credit Card — 1.8%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. IHG One Rewards Premier Select Credit Card — 1.8%

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. IHG One Rewards Credit Card — 1.2%
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