Bread Rewards® American Express® Credit Card vs IHG One Rewards Credit Card
Effective return by category
| Category | Bread Rewards® American Express® Credit Card | IHG One Rewards Credit Card |
|---|---|---|
| Dining & Restaurants | 1.50% 3x | 1.50% 3x |
| Gas Stations | 1.50% 3x | 1.50% 3x |
| Groceries | 1.50% 3x | 1.50% 3x |
| Utilities | 1.50% 3x | 1.00% 2x |
| Everything else | 0.50% 1x | 1.00% 2x |
Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.
The better question: which one adds more to your wallet?
Ask the Advisor