Chase IHG One Rewards Credit Card vs Ink Business Cash
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- IHG One Rewards Credit Card 1.2% 2x base rate
- Ink Business Cash 1.0% 1% base rate
Dining
- Ink Business Cash 2.0% 2%
- IHG One Rewards Credit Card 1.8% 3x
Groceries
- IHG One Rewards Credit Card 1.8% 3x
- Ink Business Cash 1.0% 1% base rate
Gas
- Ink Business Cash 2.0% 2%
- IHG One Rewards Credit Card 1.8% 3x
Streaming
- IHG One Rewards Credit Card 1.8% 3x
- Ink Business Cash 1.0% 1% base rate
Phone & internet
- Ink Business Cash 5.0% 5%
- IHG One Rewards Credit Card 1.8% 3x
Utilities
- IHG One Rewards Credit Card 1.8% 3x
- Ink Business Cash 1.0% 1% base rate
Lyft
- Ink Business Cash 5.0% 5%
- IHG One Rewards Credit Card 1.2% 2x base rate
What the numbers are doing
Where they differ: IHG One Rewards Credit Card takes everything else, groceries, streaming and utilities; Ink Business Cash takes dining, gas, phone & internet and lyft.
| Category | Best card |
|---|---|
| Everything else | IHG One Rewards Credit Card1.2% |
| Dining | Ink Business Cash2.0% |
| Groceries | IHG One Rewards Credit Card1.8% |
| Gas | Ink Business Cash2.0% |
| Streaming | IHG One Rewards Credit Card1.8% |
| Phone & internet | Ink Business Cash5.0% |
| Utilities | IHG One Rewards Credit Card1.8% |
| Lyft | Ink Business Cash5.0% |
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 Credit Card — 1.2%
- Ink Business Cash — 1.0%
Dining
- Ink Business Cash — 2.0%
- IHG One Rewards Credit Card — 1.8%
Groceries
- IHG One Rewards Credit Card — 1.8%
- Ink Business Cash — 1.0%
Gas
- Ink Business Cash — 2.0%
- IHG One Rewards Credit Card — 1.8%
Streaming
- IHG One Rewards Credit Card — 1.8%
- Ink Business Cash — 1.0%
Phone & internet
- Ink Business Cash — 5.0%
- IHG One Rewards Credit Card — 1.8%
Utilities
- IHG One Rewards Credit Card — 1.8%
- Ink Business Cash — 1.0%
Lyft
- Ink Business Cash — 5.0%
- IHG One Rewards Credit Card — 1.2%
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