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Chase IHG One Rewards Credit Card vs Prime Visa

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 Credit Card 1.2% 2x base rate
  2. Prime Visa 1.0% 1% base rate

Dining

  1. Prime Visa 2.0% 2%
  2. IHG One Rewards Credit Card 1.8% 3x

Groceries

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Prime Visa 1.0% 1% base rate

Gas

  1. Prime Visa 2.0% 2%
  2. IHG One Rewards Credit Card 1.8% 3x

Travel · portal

  1. Prime Visa · Chase Travel 5.0% 5%

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Prime Visa 1.0% 1% base rate

Amazon

  1. Prime Visa 5.0% 5%
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Prime Visa 1.0% 1% base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Prime Visa 1.0% 1% base rate

Whole Foods Market

  1. Prime Visa 5.0% 5%
  2. IHG One Rewards Credit Card 1.8% 3x

Public transit

  1. Prime Visa 2.0% 2%
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Rideshare & taxis

  1. Prime Visa 2.0% 2%
  2. 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 phone & internet, plus 1 more; Prime Visa takes dining, gas, amazon and whole foods market, plus 2 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Credit Card1.2%
DiningPrime Visa2.0%
GroceriesIHG One Rewards Credit Card1.8%
GasPrime Visa2.0%
Travel · portalPrime Visa · Chase Travel5.0%
StreamingIHG One Rewards Credit Card1.8%
AmazonPrime Visa5.0%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%
Whole Foods MarketPrime Visa5.0%
Public transitPrime Visa2.0%
Rideshare & taxisPrime Visa2.0%

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. IHG One Rewards Credit Card — 1.2%
  2. Prime Visa — 1.0%

Dining

  1. Prime Visa — 2.0%
  2. IHG One Rewards Credit Card — 1.8%

Groceries

  1. IHG One Rewards Credit Card — 1.8%
  2. Prime Visa — 1.0%

Gas

  1. Prime Visa — 2.0%
  2. IHG One Rewards Credit Card — 1.8%

Travel · portal

  1. Prime Visa · Chase Travel — 5.0%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. Prime Visa — 1.0%

Amazon

  1. Prime Visa — 5.0%
  2. IHG One Rewards Credit Card — 1.2%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. Prime Visa — 1.0%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. Prime Visa — 1.0%

Whole Foods Market

  1. Prime Visa — 5.0%
  2. IHG One Rewards Credit Card — 1.8%

Public transit

  1. Prime Visa — 2.0%
  2. IHG One Rewards Credit Card — 1.2%

Rideshare & taxis

  1. Prime Visa — 2.0%
  2. IHG One Rewards Credit Card — 1.2%
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