Comparison of the IHG One Rewards Premier Credit Card and Ink Business Premier℠ Credit Card

This comparison aims to help users decide between two distinct credit card options: the IHG One Rewards Premier Credit Card from Chase, which is tailored for frequent travelers and hotel stayers, and the Ink Business Premier℠ Credit Card from Chase, designed for business owners seeking cash back rewards.

Card Overviews

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card is ideal for travelers who frequently stay at IHG hotels. It offers a robust rewards structure and valuable perks, including annual free night certificates and bonus points for hotel stays.

Ink Business Premier℠ Credit Card

The Ink Business Premier℠ Credit Card is perfect for business owners looking to maximize their cash back earnings. It provides substantial rewards on larger purchases and includes valuable travel benefits without foreign transaction fees.

Detailed Feature Comparison

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:
  • Strong rewards structure for IHG hotel stays
  • Annual free night benefit
  • Automatic Platinum Elite status
  • Global Entry/TSA PreCheck fee reimbursement
• Cons:
  • Annual fee of $99
  • Limited to IHG hotels for maximum rewards

Ink Business Premier℠ Credit Card

• Pros:
  • No annual fee
  • High cash back on larger purchases
  • No foreign transaction fees
  • Employee cards at no extra cost
• Cons:
  • High spending requirement for welcome bonus
  • Less suitable for non-business users

Who Should Consider Which Card?

• IHG One Rewards Premier Credit Card: Ideal for frequent travelers who stay at IHG hotels and value hotel points and perks.
• Ink Business Premier℠ Credit Card: Best for business owners looking for cash back rewards and benefits tailored to business spending.

Conclusion

Deciding between the IHG One Rewards Premier Credit Card and the Ink Business Premier℠ Credit Card ultimately depends on your individual needs and spending patterns. Consider which card aligns best with your financial goals and lifestyle to make the most informed decision.

“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.”