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Chase IHG One Rewards Credit Card vs United Club Business 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. United Club Business Card 1.8% 1.5x base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

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

Groceries

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

Gas

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

Streaming

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

Phone & internet

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

Utilities

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

What the numbers are doing

United Club Business Card tops everything else at 1.8% only because this table values its points at 1.2 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 United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Club Business Card takes everything else. IHG One Rewards Credit Card wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Club Business Card1.8%
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%

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. United Club Business Card — 1.8%
  2. IHG One Rewards Credit Card — 1.2%

Dining

  1. IHG One Rewards Credit Card — 1.8%
  2. United Club Business Card — 1.8%

Groceries

  1. IHG One Rewards Credit Card — 1.8%
  2. United Club Business Card — 1.8%

Gas

  1. IHG One Rewards Credit Card — 1.8%
  2. United Club Business Card — 1.8%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. United Club Business Card — 1.8%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. United Club Business Card — 1.8%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. United Club Business Card — 1.8%
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