Comparison of IHG One Rewards Premier Business Credit Card and Ink Business Premier® Credit Card

This comparison aims to assist users in deciding between the IHG One Rewards Premier Business Credit Card and the Ink Business Premier® Credit Card. Each card offers unique benefits tailored to different spending habits and business needs.

Card Overviews

IHG One Rewards Premier Business Credit Card

The IHG One Rewards Premier Business Credit Card is designed for business owners who frequently travel and stay at IHG hotels. With a focus on earning points for hotel stays and travel-related expenses, this card provides valuable rewards and benefits for those who prioritize hotel loyalty.

Ink Business Premier® Credit Card

The Ink Business Premier® Credit Card caters to business owners looking for a straightforward cash back rewards structure. It offers significant cash back on larger purchases and travel expenses, making it suitable for businesses that spend substantially on various categories.

Detailed Feature Comparison

Rewards Highlights

IHG One Rewards Premier Business Credit Card

• Our Best Points Offer Ever! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts.
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants.
• Earn 3 points per $1 spent on all other purchases.

Ink Business Premier® Credit Card

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Unlimited 5% total cash back on travel purchased through Chase Travel℠.
• Unlimited 2.5% total cash back on purchases of $5,000 or more.
• Unlimited 2% cash back on all other business purchases.

Pros and Cons

IHG One Rewards Premier Business Credit Card

• Pros: Strong rewards for IHG stays, automatic hotel elite status, valuable anniversary free night.
• Cons: Lower cash back on non-travel purchases, annual fee may be a consideration for infrequent travelers.

Ink Business Premier® Credit Card

• Pros: Generous cash back structure, no foreign transaction fees, robust purchase protections.
• Cons: Higher annual fee, less focused on travel rewards compared to hotel-specific cards.

Who Should Consider Which Card?

The IHG One Rewards Premier Business Credit Card is ideal for business owners who frequently stay at IHG hotels and want to maximize their hotel rewards and benefits. If your business involves significant travel or stays at hotels, this card may be the better choice.

The Ink Business Premier® Credit Card is well-suited for business owners who prefer a straightforward cash back program and often make larger purchases. If your spending patterns include significant expenses that reach the $5,000 threshold, this card can provide substantial rewards.

Conclusion

In conclusion, the decision between the IHG One Rewards Premier Business Credit Card and the Ink Business Premier® Credit Card should be based on your individual needs, spending habits, and travel preferences. Consider how each card aligns with your business activities to make the best choice for 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.”