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Chase IHG One Rewards Credit Card vs Southwest Rapid Rewards Premier 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. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

  1. Southwest Rapid Rewards Premier Credit Card 2.5% 2x
  2. IHG One Rewards Credit Card 1.8% 3x

Groceries

  1. Southwest Rapid Rewards Premier Credit Card 2.5% 2x
  2. IHG One Rewards Credit Card 1.8% 3x

Gas

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Southwest Rapid Rewards Premier Credit Card 1.3% 1x base rate

Lyft

  1. Southwest Rapid Rewards Premier Credit Card 3.8% 3x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

What the numbers are doing

Southwest Rapid Rewards Premier 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 Credit Card $149 a year, so a thin lead in one category may not cover the difference.

Where they differ: Southwest Rapid Rewards Premier Credit Card takes everything else, dining, groceries and lyft; IHG One Rewards Credit Card takes gas, streaming, phone & internet and utilities.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSouthwest Rapid Rewards Premier Credit Card1.3%
DiningSouthwest Rapid Rewards Premier Credit Card2.5%
GroceriesSouthwest Rapid Rewards Premier Credit Card2.5%
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%
LyftSouthwest Rapid Rewards Premier 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

  1. Southwest Rapid Rewards Premier Credit Card — 1.3%
  2. IHG One Rewards Credit Card — 1.2%

Dining

  1. Southwest Rapid Rewards Premier Credit Card — 2.5%
  2. IHG One Rewards Credit Card — 1.8%

Groceries

  1. Southwest Rapid Rewards Premier Credit Card — 2.5%
  2. IHG One Rewards Credit Card — 1.8%

Gas

  1. IHG One Rewards Credit Card — 1.8%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. Southwest Rapid Rewards Premier Credit Card — 1.3%

Lyft

  1. Southwest Rapid Rewards Premier Credit Card — 3.8%
  2. IHG One Rewards Credit Card — 1.2%
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