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Chase IHG One Rewards Credit Card vs United Explorer 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. IHG One Rewards Credit Card 1.2% 2x base rate
  2. United Explorer Card 1.2% 1x base rate

Dining

  1. United Explorer Card 2.4% 2x
  2. IHG One Rewards Credit Card 1.8% 3x

Groceries

  1. IHG One Rewards Credit Card 1.8% 3x
  2. United Explorer Card 1.2% 1x base rate

Gas

  1. IHG One Rewards Credit Card 1.8% 3x
  2. United Explorer Card 1.2% 1x base rate

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. United Explorer Card 1.2% 1x base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. United Explorer Card 1.2% 1x base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. United Explorer Card 1.2% 1x base rate

Flights

  1. United Explorer Card 3.6% 3x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Hotels

  1. United Explorer Card 2.4% 2x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

What the numbers are doing

United Explorer Card tops dining at 2.4% 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 Explorer Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Explorer Card takes dining, flights and hotels; IHG One Rewards Credit Card takes groceries, gas, streaming and phone & internet, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Credit Card1.2%
DiningUnited Explorer Card2.4%
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%
FlightsUnited Explorer Card3.6%
HotelsUnited Explorer Card2.4%

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. United Explorer Card — 1.2%

Dining

  1. United Explorer Card — 2.4%
  2. IHG One Rewards Credit Card — 1.8%

Groceries

  1. IHG One Rewards Credit Card — 1.8%
  2. United Explorer Card — 1.2%

Gas

  1. IHG One Rewards Credit Card — 1.8%
  2. United Explorer Card — 1.2%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. United Explorer Card — 1.2%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. United Explorer Card — 1.2%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. United Explorer Card — 1.2%

Flights

  1. United Explorer Card — 3.6%
  2. IHG One Rewards Credit Card — 1.2%

Hotels

  1. United Explorer Card — 2.4%
  2. IHG One Rewards Credit Card — 1.2%
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