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

Dining

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. United Gateway Card 1.2% 1x base rate

Gas

  1. United Gateway Card 2.4% 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. United Gateway Card 1.2% 1x base rate

Public transit

  1. United Gateway Card 2.4% 2x
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x base rate

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. United Gateway Card 2.4% 2x

Tolls

  1. United Gateway Card 2.4% 2x
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x 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 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 United Gateway Card $0 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; United Gateway Card takes gas, public transit and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Premier Select Credit Card1.8%
DiningIHG One Rewards Premier Select Credit Card3.6%
GasUnited Gateway Card2.4%
TravelIHG One Rewards Premier Select Credit Card3.6%
Public transitUnited Gateway Card2.4%
Rideshare & taxisIHG One Rewards Premier Select Credit Card3.6%
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 Premier Select Credit Card — 1.8%
  2. United Gateway Card — 1.2%

Dining

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. United Gateway Card — 1.2%

Gas

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

Travel

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. United Gateway Card — 1.2%

Public transit

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

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. United Gateway Card — 2.4%

Tolls

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