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IHG One Rewards Premier Credit Card vs The Blue Business® Plus Credit Card from American Express
This comparison aims to help you decide between the IHG One Rewards Premier Credit Card and The Blue Business® Plus Credit Card from American Express. Each card has its unique benefits and features tailored to different spending habits and preferences.
Card Overviews
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is designed for travelers who frequently stay at IHG Hotels & Resorts. With a range of rewards and benefits, this card offers excellent value for those looking to maximize their hotel stays and enjoy perks like free nights and elite status.
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express caters to small business owners who want to earn rewards on their everyday business spending. With no annual fee and flexible spending options, this card is a great choice for entrepreneurs looking to build their rewards without incurring extra costs.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Credit Card | The Blue Business® Plus Credit Card from American Express |
|---|---|---|
| Annual Fee | $99 | No annual fee |
| Welcome Bonus | Earn 140,000 Bonus Points after spending $3,000 in the first 3 months | Earn 15,000 Membership Rewards® points after spending $3,000 in the first 3 months |
| Rewards Structure | Up to 26 points per $1 at IHG, 5 points on travel, gas, and restaurants, 3 points on all other purchases | 2X points on first $50,000 in purchases, 1 point thereafter |
| Foreign Transaction Fee | No | No |
| Other Fees | $120 Global Entry, TSA PreCheck® or NEXUS Statement Credit every 4 years | None specified |
| Additional Benefits | Anniversary Free Night, Automatic Platinum Elite status | Expanded Buying Power |
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.
The Blue Business® Plus Credit Card from American Express
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Pros and Cons
IHG One Rewards Premier Credit Card
- Pros:
- Generous welcome bonus
- Strong rewards structure for IHG stays
- Free anniversary night
- Automatic elite status
- Cons:
- Annual fee of $99
- Limited to IHG Hotels for maximum rewards
The Blue Business® Plus Credit Card from American Express
- Pros:
- No annual fee
- Flexibility with Expanded Buying Power
- Rewards on everyday business purchases
- Cons:
- Lower rewards rate after $50,000 spending limit
- Less focused on travel-related benefits
Who Should Consider Which Card?
- IHG One Rewards Premier Credit Card: Ideal for frequent travelers who prioritize hotel stays at IHG properties and want to maximize their rewards and benefits.
- The Blue Business® Plus Credit Card from American Express: Best for small business owners looking for a no-annual-fee option to earn rewards on everyday business expenses without being restricted to travel-related spending.
Conclusion
In conclusion, both the IHG One Rewards Premier Credit Card and The Blue Business® Plus Credit Card from American Express offer unique advantages depending on your spending habits and financial goals. Consider your priorities, whether it's maximizing hotel rewards or earning on everyday business purchases, to make the best choice for your needs.