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IHG One Rewards Premier Credit Card vs The American Express Blue Business Cash™ Card
This comparison aims to help users decide between the IHG One Rewards Premier Credit Card and The American Express Blue Business Cash™ Card. Each card offers unique features tailored to different spending habits and financial goals.
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. With a focus on earning points for stays and related purchases, this card offers a variety of travel benefits for those who enjoy hotel rewards and perks.
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is ideal for small business owners looking for straightforward cash back on everyday purchases. With no annual fee and flexible spending options, this card aims to provide value for business-related expenses.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Credit Card | The American Express Blue Business Cash™ Card |
|---|---|---|
| Annual Fee | $99 | No annual fee |
| Welcome Bonus | Earn 140,000 Bonus Points after spending $3,000 in the first 3 months | Earn a $250 statement credit after making $3,000 in purchases in the first 3 months |
| Rewards Structure | Up to 26 points per $1 spent at IHG, 5 points on travel, gas, and restaurants, 3 points on all other purchases | 2% cash back on eligible purchases up to $50,000 per year, then 1% |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | No annual fee |
| Additional Benefits | Anniversary Free Night, automatic Platinum Elite status, Global Entry/TSA PreCheck credit | Expanded Buying Power, cash back automatically credited |
Rewards Highlights
IHG One Rewards Premier Credit Card
- 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.
The American Express Blue Business Cash™ Card
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Pros and Cons
IHG One Rewards Premier Credit Card
- Pros:
- Strong rewards structure for IHG stays and travel-related purchases.
- Exclusive benefits like free nights and elite status.
- Great for frequent travelers.
- Cons:
- Annual fee of $99.
- Best benefits are limited to IHG hotels.
The American Express Blue Business Cash™ Card
- Pros:
- No annual fee, making it cost-effective.
- Flexible cash back on a wide range of purchases.
- Expanded Buying Power allows for spending flexibility.
- Cons:
- Cash back structure may be less rewarding for travel than IHG card.
- Requires good or excellent credit for optimal benefits.
Who Should Consider Which Card?
- IHG One Rewards Premier Credit Card: Ideal for travelers who frequently stay at IHG hotels and want to maximize hotel rewards and enjoy travel perks.
- The American Express Blue Business Cash™ Card: Best suited for small business owners looking for straightforward cash back on everyday expenses without an annual fee.
Conclusion
Both the IHG One Rewards Premier Credit Card and The American Express Blue Business Cash™ Card offer valuable rewards tailored to different users. Consider your individual needs and spending patterns to make the best choice for your financial goals.