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Comparison: IHG One Rewards Premier Credit Card vs Ink Business Cash® Credit Card
This comparison aims to help you decide between the IHG One Rewards Premier Credit Card and the Ink Business Cash® Credit Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
IHG One Rewards Premier Credit Card Overview
The IHG One Rewards Premier Credit Card is designed for travelers who frequently stay at IHG Hotels & Resorts. With a rich rewards structure and additional perks, this card provides significant value for those looking to maximize their hotel stays.
Ink Business Cash® Credit Card Overview
The Ink Business Cash® Credit Card is aimed at small business owners looking to earn cash back on everyday business expenses. With no annual fee and lucrative rewards on specific categories, it’s a great option for business spending.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Credit Card | Ink Business Cash® Credit Card |
|---|---|---|
| Annual Fee | $99 | No Annual Fee |
| Welcome Bonus | Earn 140,000 Bonus Points after spending $3,000 in the first 3 months | Earn $350 after spending $3,000 in the first 3 months and an additional $400 after spending $6,000 in the first 6 months |
| Rewards Structure | Earn up to 26 points per $1 spent at IHG Hotels, 5 points on travel, gas stations, and restaurants, 3 points on all other purchases | 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services; 2% cash back at gas stations and restaurants; 1% on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | Automatic Platinum Elite status, Anniversary Free Night, Global Entry/TSA PreCheck credit | Zero Liability protection, redeem rewards for cash back, gift cards, and travel |
Rewards Highlights
- 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
IHG One Rewards Premier Credit Card
- Pros: High rewards rate at IHG hotels, Anniversary Free Night, Platinum Elite status
- Cons: Annual fee, limited to IHG hotel stays for maximum rewards
Ink Business Cash® Credit Card
- Pros: No annual fee, strong cash back rewards on everyday business expenses
- Cons: Lower rewards rate on non-category purchases, less focused on travel benefits
Who Should Consider Which Card?
- The IHG One Rewards Premier Credit Card is ideal for frequent travelers who often stay at IHG properties and want to earn hotel points efficiently.
- The Ink Business Cash® Credit Card is best suited for small business owners looking to earn cash back on common business expenses without an annual fee.
Conclusion
When choosing between the IHG One Rewards Premier Credit Card and the Ink Business Cash® Credit Card, consider your individual spending habits and financial goals. Each card offers unique benefits that cater to different lifestyles and preferences.