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Chase IHG One Rewards Credit Card vs United Gateway 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 Gateway Card 1.2% 1x base rate

Dining

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

Groceries

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

Gas

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

Streaming

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

Phone & internet

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

Utilities

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

Public transit

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

Rideshare & taxis

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

Tolls

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

What the numbers are doing

United Gateway Card tops gas 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.

Where they differ: IHG One Rewards Credit Card takes dining, groceries, streaming and phone & internet, plus 1 more; United Gateway Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Credit Card1.2%
DiningIHG One Rewards Credit Card1.8%
GroceriesIHG One Rewards Credit Card1.8%
GasUnited Gateway Card2.4%
StreamingIHG One Rewards Credit Card1.8%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway 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 Gateway Card — 1.2%

Dining

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

Groceries

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

Gas

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

Streaming

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

Phone & internet

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

Utilities

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

Public transit

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

Rideshare & taxis

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

Tolls

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