Chase Freedom Rise® Credit Card vs IHG One Rewards Credit Card
Effective return by category
| Category | Chase Freedom Rise® Credit Card | IHG One Rewards Credit Card |
|---|---|---|
| Dining & Restaurants | 1.50% 1.5x | 1.50% 3x |
| Gas Stations | 1.50% 1.5x | 1.50% 3x |
| Groceries | 1.50% 1.5x | 1.50% 3x |
| Everything else | 1.50% 1.5x | 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?
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