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Comparison: IHG One Rewards Traveler Credit Card vs Ink Business Premier® Credit Card
This comparison aims to help users decide between the IHG One Rewards Traveler Credit Card and the Ink Business Premier® Credit Card. Each card offers unique features tailored to different spending habits and financial goals.
Card Overviews
IHG One Rewards Traveler Credit Card
The IHG One Rewards Traveler Credit Card is designed for frequent travelers, particularly those who stay at IHG Hotels & Resorts. It offers a strong rewards structure for hotel stays and provides numerous travel-related benefits without an annual fee.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is aimed at business owners who want to maximize cash back on their purchases. With a moderate annual fee, this card offers robust cash back rewards and important business-related features, making it suitable for those who manage significant business expenses.
Detailed Feature Comparison
| Feature | IHG One Rewards Traveler Credit Card | Ink Business Premier® Credit Card |
|---|---|---|
| Annual Fee | $0 | $195 |
| Welcome Bonus | Earn 80,000 Bonus Points | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months |
| Rewards Structure | Earn up to 17 points per $1 spent at IHG Hotels, 3 points on monthly bills, gas, and restaurants; 2 points on other purchases | Unlimited 5% on travel through Chase Travel, 2.5% on purchases of $5,000 or more, 2% on all other business purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | None listed | None listed |
| Additional Benefits | Redeem 3 Nights, Get the 4th Night Free | Built-in protections and employee card options |
Rewards Highlights
IHG One Rewards Traveler Credit Card
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts.
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants.
- Earn 2 points per $1 spent on all other purchases.
Ink Business Premier® Credit Card
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Pros and Cons
IHG One Rewards Traveler Credit Card
- Pros:
- No annual fee.
- Strong rewards for IHG hotel stays.
- No foreign transaction fees.
- Flexible redemption options for hotel stays.
- Cons:
- Limited rewards outside of hotel stays.
- Lower overall cash back compared to business cards.
Ink Business Premier® Credit Card
- Pros:
- High cash back rewards on large purchases.
- Comprehensive travel benefits.
- Built-in protections for business purchases.
- No foreign transaction fees.
- Cons:
- Annual fee of $195.
- Higher spending requirement for bonus cash back.
Who Should Consider Which Card?
The IHG One Rewards Traveler Credit Card is ideal for travelers who frequently stay at IHG properties and prefer a no-annual-fee option with valuable hotel rewards. It is best for those who seek to maximize their points for hotel stays.
The Ink Business Premier® Credit Card is better suited for business owners who regularly make large purchases and want to earn high cash back rewards. This card is beneficial for users who can take advantage of the premium rewards structure and comprehensive business-related benefits.
Conclusion
In summary, choosing between the IHG One Rewards Traveler Credit Card and the Ink Business Premier® Credit Card heavily depends on your individual needs and spending patterns. Consider your travel habits, spending on business expenses, and the type of rewards that most appeal to you when making your decision.