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Chase IHG One Rewards Credit Card vs Ink Business Unlimited

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. Ink Business Unlimited 1.5% 1.5% base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Groceries

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Gas

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Lyft

  1. Ink Business Unlimited 5.0% 5%
  2. IHG One Rewards Credit Card 1.2% 2x base rate

What the numbers are doing

Abroad the answer flips: Ink Business Unlimited charges a 3% foreign transaction fee, so once that comes off the rate IHG One Rewards Credit Card is the better card for everyday spend.

Where they differ: Ink Business Unlimited takes everything else and lyft; IHG One Rewards Credit Card takes dining, groceries, gas and streaming, plus 2 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Unlimited1.5%
DiningIHG One Rewards Credit Card1.8%
GroceriesIHG One Rewards Credit Card1.8%
GasIHG One Rewards Credit Card1.8%
StreamingIHG One Rewards Credit Card1.8%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%
LyftInk Business Unlimited5.0%

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

  1. Ink Business Unlimited — 1.5%
  2. IHG One Rewards Credit Card — 1.2%

Dining

  1. IHG One Rewards Credit Card — 1.8%
  2. Ink Business Unlimited — 1.5%

Groceries

  1. IHG One Rewards Credit Card — 1.8%
  2. Ink Business Unlimited — 1.5%

Gas

  1. IHG One Rewards Credit Card — 1.8%
  2. Ink Business Unlimited — 1.5%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. Ink Business Unlimited — 1.5%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. Ink Business Unlimited — 1.5%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. Ink Business Unlimited — 1.5%

Lyft

  1. Ink Business Unlimited — 5.0%
  2. IHG One Rewards Credit Card — 1.2%
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