IHG One Rewards Business Credit Card vs U.S. Bank Business Essentials Plus Visa Signature

IHG One Rewards Business Credit CardIHG One Rewards Business Credit Card

Chase

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U.S. Bank Business Essentials Plus Visa SignatureU.S. Bank Business Essentials Plus Visa Signature

U.S. Bank

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Annual Fee
$200
$295
Card Type
Business
Business
Rewards Currency
IHG One Rewards Points
Cash Back
Point Value
0.50¢/pt
1.00¢/pt
Base Earn Rate
3x
2x
Welcome Bonus
200,000 IHG One Rewards Points after $9,000 in 90 days
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Effective return by category

CategoryIHG One Rewards Business Credit CardU.S. Bank Business Essentials Plus Visa Signature
Dining & Restaurants2.50%
5x
5.00%
5x · Capped Spending · $200,000 cap
Airfare2.50%
5x
5.00%
5x · Capped Spending · $200,000 cap
Business Services1.50%
3x
5.00%
5x · Capped Spending · $200,000 cap
Phone & Wireless1.50%
3x
5.00%
5x · Capped Spending · $200,000 cap
Entertainment1.50%
3x
5.00%
5x · Capped Spending · $200,000 cap
Office Supplies1.50%
3x
5.00%
5x · Capped Spending · $200,000 cap
Shipping1.50%
3x
5.00%
5x · Capped Spending · $200,000 cap
Utilities1.50%
3x
5.00%
5x · Capped Spending · $200,000 cap
Gas Stations2.50%
5x
2.00%
2x
Online Advertising2.50%
5x
2.00%
2x
Car Rentals2.50%
5x
2.00%
2x
Everything else1.50%
3x
2.00%
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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