American Express® Business Gold Card vs IHG One Rewards Premier Credit Card

This comparison aims to assist users in choosing between the American Express® Business Gold Card and the IHG One Rewards Premier Credit Card. Each card offers unique features tailored to different spending habits and lifestyles, making it essential to evaluate both options carefully.

Card Overviews

American Express® Business Gold Card

The American Express® Business Gold Card is designed for business owners who want to maximize their rewards on specific spending categories. With a robust rewards structure and valuable benefits, this card appeals to entrepreneurs seeking to earn Membership Rewards points efficiently.

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card targets frequent travelers, especially those who regularly stay at IHG Hotels & Resorts. This card offers generous rewards on hotel stays and additional perks, making it perfect for individuals who prioritize travel rewards and hotel benefits.

Detailed Feature Comparison

Rewards Highlights

American Express® Business Gold Card Rewards

• Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• 1X is earned for other purchases. **

IHG One Rewards Premier Credit Card Rewards

• 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

American Express® Business Gold Card

• Pros:
• Flexible rewards structure with high earning potential in top categories.
• Monthly statement credits for common business expenses.
• Metal card design options enhance prestige.
• No foreign transaction fees.
• Extensive travel protections and benefits.

• Cons:
• High annual fee compared to other business cards.
• Requires significant spending to maximize rewards.

IHG One Rewards Premier Credit Card

• Pros:
• Lower annual fee with valuable hotel rewards.
• Automatic Platinum Elite status enhances hotel benefits.
• Anniversary free night adds significant value for frequent travelers.
• No foreign transaction fees.

• Cons:
• Rewards primarily benefit IHG loyalists.
• Limited to hotel and travel-related purchases for maximum points.

Who Should Consider Which Card?

• The American Express® Business Gold Card is ideal for small business owners who regularly spend on various categories and want to earn maximum rewards on their most significant expenses.
• The IHG One Rewards Premier Credit Card is best for travelers who frequently stay at IHG properties and wish to enjoy hotel perks like free nights and elite status.

Conclusion

Both the American Express® Business Gold Card and the IHG One Rewards Premier Credit Card offer distinct advantages depending on your spending habits and priorities. When choosing between them, consider your typical expenditures and what benefits align most closely with your financial goals.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”