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Blue Cash Preferred® Card from American Express vs IHG One Rewards Premier Business Credit Card
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the IHG One Rewards Premier Business Credit Card. Both cards offer unique benefits tailored to different spending habits and lifestyles.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at supermarkets and utilize streaming services. With a robust cash back rewards program and introductory offers, it provides significant savings on everyday purchases.
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card caters to business owners and frequent travelers, particularly those who stay at IHG hotels. It offers generous rewards points for hotel stays and other travel-related expenses, making it ideal for those who travel often for work or leisure.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $99 |
| Welcome Bonus | $250 statement credit after spending $3,000 in first 6 months | Up to 200,000 Bonus Points (140,000 after $4,000 in 3 months; 60,000 after $9,000 in 6 months) |
| Rewards Structure | 6% at U.S. supermarkets, 6% on select streaming, 3% at gas stations and transit, 1% on other purchases | 26 points per $1 at IHG hotels, 5 points on travel/gas/restaurants, 3 points on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $0 intro plan fees for Plan It® for first 12 months | Global Entry, TSA PreCheck® or NEXUS credit up to $120 every 4 years |
| Additional Benefits | $84 Disney Bundle Credit, cash back as Reward Dollars | Anniversary Free Night, automatic Platinum Elite status |
Rewards Highlights
Blue Cash Preferred® Card from American Express Rewards:
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
IHG One Rewards Premier Business Credit Card Rewards:
- Our Best Points Offer Ever! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts.
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants.
- Earn 3 points per $1 spent on all other purchases.
Pros and Cons
Blue Cash Preferred® Card from American Express Pros:
- High cash back on supermarket purchases.
- Significant cash back on streaming services.
- No foreign transaction fees.
- Introductory $0 annual fee for the first year.
Blue Cash Preferred® Card from American Express Cons:
- Annual fee after the first year.
- Limited to U.S. supermarkets for high cash back rates.
IHG One Rewards Premier Business Credit Card Pros:
- High rewards for hotel stays and travel-related expenses.
- Generous welcome bonus points offer.
- Automatic Platinum Elite status for members.
- Anniversary free night benefit.
IHG One Rewards Premier Business Credit Card Cons:
- Annual fee from the start.
- Rewards are primarily beneficial for frequent travelers.
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for individuals who frequently shop at supermarkets and want to maximize cash back on everyday spending, especially those who subscribe to streaming services. On the other hand, the IHG One Rewards Premier Business Credit Card is suited for business travelers and those who regularly stay at IHG hotels, looking to earn points for travel rewards and enjoy exclusive travel benefits.
Conclusion
Both the Blue Cash Preferred® Card from American Express and the IHG One Rewards Premier Business Credit Card offer valuable benefits tailored to different user needs. Consider your personal spending habits and financial goals to determine which card aligns best with your lifestyle.