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Comparison of IHG One Rewards Premier Business Credit Card vs IHG One Rewards Premier Credit Card
This comparison aims to help potential users decide between the IHG One Rewards Premier Business Credit Card and the IHG One Rewards Premier Credit Card from Chase. Both cards offer unique benefits tailored to different audiences, making it essential to understand their features.
Card Overviews
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card focuses on business owners and frequent travelers, offering enhanced rewards for business-related expenses and travel perks.
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is designed for individuals who frequently stay at IHG properties, providing robust rewards and benefits for personal travel and spending.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Business Credit Card | IHG One Rewards Premier Credit Card |
|---|---|---|
| Annual Fee | $99 | $99 |
| Welcome Bonus | 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 140,000 Bonus Points |
| Rewards Structure | 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. | 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, and restaurants. Earn 3 points per $1 spent on all other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay. Automatic Platinum Elite status as long as you remain a Premier Business cardmember. Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card. | Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay. Automatic Platinum Elite status as long as you remain a Premier cardmember. Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card. |
Rewards Highlights
IHG One Rewards Premier Business Credit Card
- 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.
IHG One Rewards Premier Credit Card
- Earn 140,000 Bonus Points.
- 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, and restaurants.
- Earn 3 points per $1 spent on all other purchases.
Pros and Cons
IHG One Rewards Premier Business Credit Card
- Pros:
- Higher welcome bonus with additional points opportunity.
- Enhanced rewards on business-related spending.
- Automatic Platinum Elite status for business cardholders.
- Cons:
- Requires a higher spending threshold to earn the maximum bonus.
IHG One Rewards Premier Credit Card
- Pros:
- Lower spending requirement for the welcome bonus.
- Straightforward rewards structure.
- Cons:
- No additional bonus opportunities compared to the business card.
Who Should Consider Which Card?
- The IHG One Rewards Premier Business Credit Card is ideal for business owners who frequently spend on travel and need a card that offers rewards for business expenses.
- The IHG One Rewards Premier Credit Card is better suited for individual travelers who often stay at IHG properties and prefer a simpler rewards structure.
Conclusion
When choosing between the IHG One Rewards Premier Business Credit Card and the IHG One Rewards Premier Credit Card, consider your individual spending habits and travel needs. Both cards offer valuable rewards and benefits, but your choice will depend on whether you prioritize business-related spending or personal travel rewards.