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

Dining

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. Southwest Rapid Rewards Premier Business Credit Card 2.5% 2x

Gas

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

Travel

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. Southwest Rapid Rewards Premier Business Credit Card 1.3% 1x base rate

Lyft

  1. Southwest Rapid Rewards Premier Business Credit Card 3.8% 3x
  2. IHG One Rewards Premier Select Credit Card 3.6% 6x

What the numbers are doing

Southwest Rapid Rewards Premier Business Credit Card tops gas at 2.5% only because this table values its points at 1.25 cents each. Value them at one cent and IHG One Rewards Premier Select 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 Premier Select Credit Card $350 and Southwest Rapid Rewards Premier Business Credit Card $149 a year, so a thin lead in one category may not cover the difference.

Where they differ: IHG One Rewards Premier Select Credit Card takes everything else, dining, travel and rideshare & taxis; Southwest Rapid Rewards Premier Business Credit Card takes gas and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Premier Select Credit Card1.8%
DiningIHG One Rewards Premier Select Credit Card3.6%
GasSouthwest Rapid Rewards Premier Business Credit Card2.5%
TravelIHG One Rewards Premier Select Credit Card3.6%
Rideshare & taxisIHG One Rewards Premier Select Credit Card3.6%
LyftSouthwest Rapid Rewards Premier Business 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. IHG One Rewards Premier Select Credit Card — 1.8%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Dining

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. Southwest Rapid Rewards Premier Business Credit Card — 2.5%

Gas

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

Travel

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. Southwest Rapid Rewards Premier Business Credit Card — 1.3%

Lyft

  1. Southwest Rapid Rewards Premier Business Credit Card — 3.8%
  2. IHG One Rewards Premier Select Credit Card — 3.6%
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