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

This comparison aims to help you decide between the Delta SkyMiles® Gold Business American Express Card and the IHG One Rewards Premier Credit Card. Both cards cater to travel enthusiasts but offer distinct rewards and benefits that align with different spending habits and preferences.

Card Overviews

Delta SkyMiles® Gold Business American Express Card

The Delta SkyMiles® Gold Business American Express Card is designed for businesses and frequent travelers who often fly with Delta Airlines. It offers valuable travel perks, including a welcome bonus in miles, priority boarding, and the ability to earn miles on various purchases.

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card targets travelers who frequently stay at IHG Hotels & Resorts. This card emphasizes hotel rewards, offering a substantial welcome bonus, points for hotel stays, and additional benefits that enhance the hotel experience.

Detailed Feature Comparison

Rewards Highlights

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.

Delta SkyMiles® Gold Business American Express Card Rewards

• Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
• Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
• Earn 1 Mile on every eligible dollar spent on purchases.

Pros and Cons

Delta SkyMiles® Gold Business American Express Card Pros

• No annual fee for the first year
• Great for frequent Delta flyers
• First Checked Bag Free and Priority Boarding benefits
• Flexible rewards on travel and dining

Delta SkyMiles® Gold Business American Express Card Cons

• Annual fee of $150 after the first year
• Lower point earning potential outside of Delta-related purchases

IHG One Rewards Premier Credit Card Pros

• Substantial welcome bonus of 140,000 points
• Anniversary Free Night benefit
• Automatic Platinum Elite status
• Strong rewards structure for hotel stays

IHG One Rewards Premier Credit Card Cons

• Annual fee of $99
• Rewards mainly beneficial for IHG Hotel stays

Who Should Consider Which Card?

The Delta SkyMiles® Gold Business American Express Card is ideal for business owners and frequent Delta travelers who want to maximize their airline rewards and enjoy travel perks such as free checked bags and priority boarding.

On the other hand, the IHG One Rewards Premier Credit Card is better suited for those who regularly stay at IHG properties and wish to earn significant hotel rewards along with other travel-related benefits.

Conclusion

Both the Delta SkyMiles® Gold Business American Express Card and the IHG One Rewards Premier Credit Card offer unique advantages tailored to different travel preferences. Consider your individual needs and spending patterns when making a decision on which card aligns best with your travel habits and 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.”