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IHG One Rewards Premier Credit Card vs Ink Business Preferred® Credit Card
This comparison aims to help you decide between the IHG One Rewards Premier Credit Card and the Ink Business Preferred® Credit Card. Each card caters to different needs and preferences, so understanding their features and benefits will assist you in making an informed choice.
Card Overviews
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is designed for frequent travelers who stay at IHG Hotels & Resorts. With valuable rewards for hotel stays and travel-related expenses, this card is ideal for those who want to maximize their points on accommodations.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is tailored for business owners looking to earn rewards on business-related expenses. It offers a robust rewards structure and valuable benefits that can help enhance cash flow and provide flexibility for travel or other purchases.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Credit Card | Ink Business Preferred® Credit Card |
|---|---|---|
| Annual Fee | $99 | $95 |
| Welcome Bonus | Earn 140,000 Bonus Points after spending $3,000 in first 3 months | Earn 90,000 Bonus Points after spending $8,000 in first 3 months |
| Rewards Structure | Up to 26 points per $1 spent at IHG, 5 points on travel, gas, restaurants, 3 points on all other purchases | 3 points per $1 on travel and select business categories (first $150,000), 1 point on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Anniversary Free Night, Platinum Elite Status, Global Entry/TSA PreCheck credit | Purchase Protection, Zero Liability, points worth 25% more for travel |
Rewards Highlights
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & 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 Credit Card
- Pros:
- High rewards on IHG stays
- Anniversary free night
- Automatic Platinum Elite status
- No foreign transaction fees
- Cons:
- Annual fee is higher than some other cards
- Best value is primarily for IHG travelers
Ink Business Preferred® Credit Card
- Pros:
- High bonus points for business expenses
- Flexible redemption options
- Purchase protection benefits
- No foreign transaction fees
- Cons:
- Higher spending requirement for the bonus
- Rewards structure might not benefit all business categories equally
Who Should Consider Which Card?
- IHG One Rewards Premier Credit Card: Best for frequent travelers who stay at IHG hotels and want to earn significant rewards on accommodations and travel-related expenses.
- Ink Business Preferred® Credit Card: Ideal for business owners looking to earn points on various business-related expenses, with flexible redemption options that can be applied to travel or cash back.
Conclusion
When choosing between the IHG One Rewards Premier Credit Card and the Ink Business Preferred® Credit Card, consider your individual needs, travel habits, and spending patterns. Both cards offer valuable rewards and benefits tailored to different lifestyles, making it essential to align your choice with your financial goals.