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

This comparison aims to help you decide between the Delta SkyMiles® Platinum Business American Express Card and the IHG One Rewards Premier Credit Card. Both cards offer unique benefits tailored to different travel and spending habits, making it essential to understand their features in detail.

Card Overviews

Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles® Platinum Business American Express Card is designed for business travelers who frequently fly with Delta Airlines. It offers a robust rewards program that allows cardholders to earn miles on eligible purchases, along with various travel-related perks to enhance the flying experience.

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card caters to travelers who prefer staying at IHG Hotels & Resorts. This card provides generous rewards points on hotel stays and other purchases, along with additional benefits that make it appealing for frequent hotel guests.

Detailed Feature Comparison

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.

Delta SkyMiles® Platinum Business American Express Card

• Earn 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

Pros and Cons

Delta SkyMiles® Platinum Business American Express Card

• Pros:
• Generous welcome bonus of miles
• Companion certificate for additional travel savings
• Priority boarding and other travel perks
• Flexible rewards on various purchases

• Cons:
• High annual fee
• Rewards primarily benefit frequent Delta flyers

IHG One Rewards Premier Credit Card

• Pros:
• Lower annual fee compared to the Delta card
• Generous welcome bonus and anniversary free night
• Automatic Platinum Elite status
• Wide range of hotels for point redemption

• Cons:
• Less valuable for non-IHG hotel stays
• Rewards may be limited for users who don't frequently stay at IHG properties

Who Should Consider Which Card?

The Delta SkyMiles® Platinum Business American Express Card is ideal for frequent Delta Airlines travelers who want to earn miles and enjoy travel-related perks like priority boarding and companion certificates. This card is best suited for business owners or individuals who can maximize the benefits through their travel patterns.

The IHG One Rewards Premier Credit Card, on the other hand, is perfect for travelers who regularly stay at IHG properties and want to earn a substantial amount of points for hotel stays. It’s also beneficial for users seeking lower annual fees and additional features like free night certificates.

Conclusion

When choosing between the Delta SkyMiles® Platinum Business American Express Card and the IHG One Rewards Premier Credit Card, consider your individual travel habits, spending patterns, and personal preferences. Each card offers valuable rewards, but the best choice will depend on whether you prioritize airline miles or hotel points.

“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.”