pointslip milestomorrow.com

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

Dining

  1. United Quest 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 Quest Card 1.2% 1x base rate

Gas

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

Travel

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

Streaming

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

Phone & internet

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

Utilities

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

Flights

  1. United Quest Card 4.8% 4x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x

What the numbers are doing

United Quest 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 Quest Card $350 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Quest Card takes dining, travel, streaming and flights; IHG One Rewards Credit Card takes groceries, gas, phone & internet and utilities.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Credit Card1.2%
DiningUnited Quest Card2.4%
GroceriesIHG One Rewards Credit Card1.8%
GasIHG One Rewards Credit Card1.8%
TravelUnited Quest Card2.4%
StreamingUnited Quest Card2.4%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%
FlightsUnited Quest Card4.8%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%

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 Quest Card — 1.2%

Dining

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

Groceries

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

Gas

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

Travel

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

Streaming

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

Phone & internet

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

Utilities

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

Flights

  1. United Quest Card — 4.8%
  2. IHG One Rewards Credit Card — 1.2%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.