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IHG One Rewards Premier Credit Card vs United℠ Business Card
This comparison aims to help users decide between the IHG One Rewards Premier Credit Card and the United℠ Business Card, two credit cards that cater to different travel preferences and spending habits.
Card Overviews
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is designed for frequent travelers who prefer staying at IHG Hotels & Resorts. This card offers various rewards on hotel stays and travel-related purchases, making it an excellent choice for those who value hotel points and perks.
United℠ Business Card
The United℠ Business Card is tailored for business owners and frequent flyers with United Airlines. This card provides significant rewards on United purchases and offers additional benefits that enhance the travel experience for small business owners.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Credit Card | United℠ Business Card |
|---|---|---|
| Annual Fee | $99 | $99 |
| Welcome Bonus | Earn 140,000 Bonus Points after spending $3,000 in the first 3 months | Earn 100,000 bonus miles after spending $5,000 in the first 3 months |
| Rewards Structure | Earn up to 26 points per $1 spent at IHG Hotels; 5 points on travel, gas, restaurants; 3 points on other purchases | 2x miles on United purchases, dining, gas, office supplies, and local transit; 1x mile on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Anniversary Free Night, Automatic Platinum Elite status, Global Entry/TSA PreCheck® credit | Free first checked bag, 5,000-mile anniversary bonus, priority boarding |
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, gas stations, and restaurants.
- Earn 3 points per $1 spent on all other purchases.
United℠ Business Card
- 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting.
- 1x mile on all other purchases.
Pros and Cons
IHG One Rewards Premier Credit Card
- Pros:
- High rewards potential at IHG properties.
- Automatic Platinum Elite status.
- Anniversary Free Night benefit.
- No foreign transaction fees.
- Cons:
- Rewards are primarily focused on IHG properties.
- Limited appeal for non-IGH travelers.
United℠ Business Card
- Pros:
- Good rewards on United and travel-related purchases.
- Free first checked bag and priority boarding.
- Employee cards at no additional cost.
- Cons:
- Higher spending requirement for the welcome bonus.
- Rewards primarily benefit United travelers.
Who Should Consider Which Card?
The IHG One Rewards Premier Credit Card is ideal for those who frequently stay at IHG hotels and want to maximize their hotel rewards and benefits. Conversely, the United℠ Business Card is better suited for small business owners and travelers who often fly with United Airlines and seek rewards in the form of air miles.
Conclusion
Ultimately, choosing between the IHG One Rewards Premier Credit Card and the United℠ Business Card should be based on your individual spending habits and travel preferences. Consider where you travel most often and how you plan to use your rewards when making your decision.