First-year winner
IHG One Rewards Premier Business Credit Card
$1,929 Year 1 edge
$2,155 vs $227
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
IHG One Rewards Premier Business Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
IHG Award-Night Perks
Other · No listed cash value
IHG co-brand cards are built around hotel-program value such as elite-style perks and award-night enhancements on eligible stays.
Perk
Chase Business Account Tools
Other · No listed cash value
Chase business cards are designed to support employee spending, account segmentation, and business purchase tracking.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Business Account Controls
Other · No listed cash value
Business cards usually include account-management tools that help separate company spend and monitor employee purchases.
Card B
Business Green Rewards Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Amex Offers Access
Other · No listed cash value
Eligible cardholders can add targeted Amex Offers for statement credits or bonus rewards with participating merchants.
Perk
Purchase and Warranty Protections
Purchase Protection · No listed cash value
American Express cards commonly include purchase-protection and extended-warranty style coverage on eligible purchases.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Business Account Controls
Other · No listed cash value
Business cards usually include account-management tools that help separate company spend and monitor employee purchases.
Verdict
IHG One Rewards Premier Business wins year 1 and long term.
Winner after year 1
IHG One Rewards Premier Business Credit Card
$529 ongoing edge
$755 vs $227
Long-term breakeven: the higher-reward option needs roughly $219 per year in this spend mix to overcome the fee and benefit gap.
Chase
IHG One Rewards Premier Business Credit Card
Year One
$2,155
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$755
Annual rewards + counted benefits - fee
Annual Rewards
$854
2.93% effective return
Welcome Offer
$1,400
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$4,000
3 mo window · $1,333/mo pace · Comfortable
Why it wins
- • Comes with a particularly strong welcome offer.
- • Earns well on the spend mix you entered.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
American Express
Business Green Rewards Card
Year One
$227
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$227
Annual rewards + counted benefits - fee
Annual Rewards
$322
1.10% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • There is no meaningful active welcome offer in the current dataset.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
5x
$5,400
IHG One Rewards Premier Business
$270
5.00%
Business Green Rewards
$54
1.00%
Groceries
1x
$7,800
IHG One Rewards Premier Business
$78
1.00%
Business Green Rewards
$78
1.00%
Travel
10x
$3,000
IHG One Rewards Premier Business
$300
10.00%
Business Green Rewards
$60
2.00%
Gas
5x
$1,920
IHG One Rewards Premier Business
$96
5.00%
Business Green Rewards
$19
1.00%
General
1x
$11,040
IHG One Rewards Premier Business
$110
1.00%
Business Green Rewards
$110
1.00%
Total annual spend
$29,160 across this mix
IHG One Rewards Premier Business$854
Business Green Rewards$322
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | IHG One Rewards Premier Business Credit Card | Business Green Rewards Card |
|---|---|---|
| Costs | ||
| Annual fee | $99 | $95 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 5x | — |
| Gas rewards | 5x | — |
| Travel rewards | 10x 10X points on eligible IHG hotel purchases with the card. | 2x 2X points on AmexTravel.com purchases. |
| All rewards | — | 1x |
| Offer | ||
| Welcome offer | 140,000 bonus points Spend $4,000 in 3 mo | — |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | IHG Award-Night Perks · Chase Business Account Tools · No Foreign Transaction Fees · +1 more | Amex Offers Access · Purchase and Warranty Protections · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | amex |
| Reward type | Points | Points |
Costs
Annual fee
IHG One Rewards Premier Business Credit Card
$99
Business Green Rewards Card
$95
Foreign transaction fee
IHG One Rewards Premier Business Credit Card
None
Business Green Rewards Card
None
Rewards
Dining rewards
IHG One Rewards Premier Business Credit Card
5x
Business Green Rewards Card
—
Gas rewards
IHG One Rewards Premier Business Credit Card
5x
Business Green Rewards Card
—
Travel rewards
IHG One Rewards Premier Business Credit Card
10x
10X points on eligible IHG hotel purchases with the card.
Business Green Rewards Card
2x
2X points on AmexTravel.com purchases.
All rewards
IHG One Rewards Premier Business Credit Card
—
Business Green Rewards Card
1x
Offer
Welcome offer
IHG One Rewards Premier Business Credit Card
140,000 bonus points
Spend $4,000 in 3 mo
Business Green Rewards Card
—
Benefits
Estimated benefits
IHG One Rewards Premier Business Credit Card
4 listed
Business Green Rewards Card
4 listed
Benefit highlights
IHG One Rewards Premier Business Credit Card
IHG Award-Night Perks · Chase Business Account Tools · No Foreign Transaction Fees · +1 more
Business Green Rewards Card
Amex Offers Access · Purchase and Warranty Protections · No Foreign Transaction Fees · +1 more
Profile
Credit needed
IHG One Rewards Premier Business Credit Card
Good
Business Green Rewards Card
Good
Network
IHG One Rewards Premier Business Credit Card
—
Business Green Rewards Card
amex
Reward type
IHG One Rewards Premier Business Credit Card
Points
Business Green Rewards Card
Points