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Chase Ink Business Preferred vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Ink Business PreferredChase | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 4.7/5 | 4.2/5 |
| Annual Fee | $95 | $99 |
| APR | 17.74% - 26.74% | 19.49% - 27.99% |
| Signup Bonus | 100,000 points after spending $8,000 in 3 months | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| Rewards Rate | 3X on first $150K/yr in travel, shipping, internet/cable/phone, advertising with social media and search engines, 1X on everything else | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else |
| Credit Score | good | good |
| Pros | 100,000-point bonus worth $1,250+ in travel via Chase portal 3X on travel, shipping, internet, phone, and online advertising Points transfer to same 14+ partners as Sapphire cards | 26X at IHG hotels and 5X on travel, dining, and gas Free night award each anniversary (up to 40,000 points) Automatic IHG Platinum Elite status |
| Cons | $8,000 spend in 3 months is a high threshold for the bonus 3X categories are business-specific, not everyday spend No 0% intro APR offer | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests |
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Verdict
Our Pick: Chase Ink Business Preferred
With a 4.7/5 rating, the Chase Ink Business Preferred edges out the IHG One Rewards Premier Credit Card (4.2/5). At $95/yr, the value proposition is strong. The Ink Business Preferred is the best business card for earning Ultimate Rewards points. 100K bonus, 3X on key business categories, and full access to Chase transfer partners.