IHG One Rewards Premier Credit Card vs The Business Platinum Card® from American Express

This comparison aims to assist users in deciding between the IHG One Rewards Premier Credit Card and The Business Platinum Card® from American Express. We'll explore their features, rewards, benefits, and suitability based on different spending habits and financial goals.

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 relatively low annual fee, it offers generous rewards on hotel stays and various travel-related expenses, making it ideal for those who want to maximize their IHG loyalty.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is tailored for business owners and frequent travelers seeking premium travel benefits and rewards. With a higher annual fee, it provides extensive perks, including access to airport lounges and significant rewards on business-related purchases, making it suitable for those who spend heavily on travel and related expenses.

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.

The Business Platinum Card® from American Express

• Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals booked at AmexTravel.com.
• Earn 1.5X points on eligible purchases at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers.
• Earn 1X points on other eligible purchases.

Pros and Cons

IHG One Rewards Premier Credit Card

• Pros:
  • Low annual fee.
  • High rewards on IHG stays and travel-related purchases.
  • Automatic Platinum Elite status.
• Cons:
  • Limited to IHG Hotels & Resorts for maximum rewards.
  • Fewer luxury travel perks compared to premium cards.

The Business Platinum Card® from American Express

• Pros:
  • Extensive travel perks and benefits.
  • High potential rewards on travel and business purchases.
  • Access to airport lounges worldwide.
• Cons:
  • High annual fee.
  • Welcome bonus requires significant spending.

Who Should Consider Which Card?

• IHG One Rewards Premier Credit Card: Best for individuals who frequently stay at IHG properties and want to earn rewards on travel-related spending while enjoying a low annual fee.
• The Business Platinum Card® from American Express: Ideal for business owners and frequent travelers looking for premium travel benefits, extensive rewards, and are willing to pay a higher annual fee for added luxury and convenience.

Conclusion

When choosing between the IHG One Rewards Premier Credit Card and The Business Platinum Card® from American Express, consider your travel habits, spending patterns, and how much you value perks versus annual fees. Each card offers distinct advantages tailored to different types of users.

“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.”