Chase IHG One Rewards Credit Card vs Southwest Rapid Rewards Premier Business Credit Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate
- IHG One Rewards Credit Card 1.2% 2x base rate
Dining
- Southwest Rapid Rewards Premier Business Credit Card 2.5% 2x
- IHG One Rewards Credit Card 1.8% 3x
Groceries
- IHG One Rewards Credit Card 1.8% 3x
- Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate
Gas
- Southwest Rapid Rewards Premier Business Credit Card 2.5% 2x
- IHG One Rewards Credit Card 1.8% 3x
Streaming
- IHG One Rewards Credit Card 1.8% 3x
- Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate
Phone & internet
- IHG One Rewards Credit Card 1.8% 3x
- Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate
Utilities
- IHG One Rewards Credit Card 1.8% 3x
- Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate
Lyft
- Southwest Rapid Rewards Premier Business Credit Card 3.8% 3x
- IHG One Rewards Credit Card 1.2% 2x base rate
What the numbers are doing
Southwest Rapid Rewards Premier Business Credit Card tops everything else at 1.3% only because this table values its points at 1.25 cents each. Value them at one cent and IHG One Rewards Credit Card wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge IHG One Rewards Credit Card $0 and Southwest Rapid Rewards Premier Business Credit Card $149 a year, so a thin lead in one category may not cover the difference.
Where they differ: Southwest Rapid Rewards Premier Business Credit Card takes everything else, dining, gas and lyft; IHG One Rewards Credit Card takes groceries, streaming, phone & internet and utilities.
| Category | Best card |
|---|---|
| Everything else | Southwest Rapid Rewards Premier Business Credit Card1.3% |
| Dining | Southwest Rapid Rewards Premier Business Credit Card2.5% |
| Groceries | IHG One Rewards Credit Card1.8% |
| Gas | Southwest Rapid Rewards Premier Business Credit Card2.5% |
| Streaming | IHG One Rewards Credit Card1.8% |
| Phone & internet | IHG One Rewards Credit Card1.8% |
| Utilities | IHG One Rewards Credit Card1.8% |
| Lyft | Southwest Rapid Rewards Premier Business Credit Card3.8% |
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
- Southwest Rapid Rewards Premier Business Credit Card — 1.3%
- IHG One Rewards Credit Card — 1.2%
Dining
- Southwest Rapid Rewards Premier Business Credit Card — 2.5%
- IHG One Rewards Credit Card — 1.8%
Groceries
- IHG One Rewards Credit Card — 1.8%
- Southwest Rapid Rewards Premier Business Credit Card — 1.3%
Gas
- Southwest Rapid Rewards Premier Business Credit Card — 2.5%
- IHG One Rewards Credit Card — 1.8%
Streaming
- IHG One Rewards Credit Card — 1.8%
- Southwest Rapid Rewards Premier Business Credit Card — 1.3%
Phone & internet
- IHG One Rewards Credit Card — 1.8%
- Southwest Rapid Rewards Premier Business Credit Card — 1.3%
Utilities
- IHG One Rewards Credit Card — 1.8%
- Southwest Rapid Rewards Premier Business Credit Card — 1.3%
Lyft
- Southwest Rapid Rewards Premier Business Credit Card — 3.8%
- IHG One Rewards Credit Card — 1.2%
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