First-year winner
IHG One Rewards Premier Business Credit Card
$191 Year 1 edge
$2,155 vs $1,965
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
United Business Card
Counted benefits
$620
Credits
$620
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
$125 United Travel Credit
Travel Credits · Listed $125/yr
Receive a United travel credit after making five United flight purchases of $100 or more in a calendar year.
Credit
$100 United Hotels Credits
Travel Credits · Listed $100/yr
Receive up to $100 back as statement credits on eligible prepaid United Hotels stays.
Credit
$100 Rideshare Credits
Travel Credits · Listed $100/yr
Enroll to receive up to $100 back as statement credits each calendar year on eligible rideshare purchases.
Credit
$50 Avis or Budget United Travel Credits
Travel Credits · Listed $50/yr
Receive United TravelBank cash for eligible Avis or Budget rentals booked through cars.united.com.
Credit
$120 Instacart Credits
Other · Listed $120/yr
Receive up to $120 in Instacart credits each calendar year for eligible Instacart purchases.
Credit
$100 JSX Credits
Travel Credits · Listed $100/yr
Receive up to $100 back as statement credits each year on eligible JSX flights.
Credit
$25 FareLock Credits
Travel Credits · Listed $25/yr
Receive up to $25 in credits each year on eligible FareLock purchases for United- or United Express-operated flights.
Perk
Two United Club One-Time Passes
Lounge Access · No listed cash value
Receive two United Club one-time passes each year.
Perk
Free First Checked Bag and Priority Boarding
Other · No listed cash value
The primary cardmember and one companion can receive a first checked bag free and priority boarding on eligible United itineraries.
Verdict
IHG One Rewards Premier Business wins year 1. United Business wins long term.
Winner after year 1
United Business Card
$109 ongoing edge
$865 vs $755
Long-term breakeven: the higher-reward option needs roughly $36,101 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.
Chase
United Business Card
Year One
$1,965
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$865
Annual rewards + counted benefits - fee
Annual Rewards
$395
1.35% effective return
Welcome Offer
$1,100
Current listed first-year bonus value
Credits + Perks
$620
$620 credits + $0 perks
Bonus Spend
$5,000
3 mo window · $1,667/mo pace · Doable
Why it wins
- • Comes with a particularly strong welcome offer.
- • Your expected credit usage offsets most of the annual fee.
- • Stays usable for international purchases.
Watch for
- • 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%
United Business
$108
2.00%
Groceries
1x
$7,800
IHG One Rewards Premier Business
$78
1.00%
United Business
$78
1.00%
Travel
10x
$3,000
IHG One Rewards Premier Business
$300
10.00%
United Business
$60
2.00%
Gas
5x
$1,920
IHG One Rewards Premier Business
$96
5.00%
United Business
$38
2.00%
General
1x
$11,040
IHG One Rewards Premier Business
$110
1.00%
United Business
$110
1.00%
Total annual spend
$29,160 across this mix
IHG One Rewards Premier Business$854
United Business$395
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 | United Business Card |
|---|---|---|
| Costs | ||
| Annual fee | $99 | $150 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 5x | 2x |
| Gas rewards | 5x | 2x |
| Other rewards | — | 2x 2X miles at office supply stores and on local transit. |
| Travel rewards | 10x 10X points on eligible IHG hotel purchases with the card. | 2x 2X miles on eligible United purchases. |
| All rewards | — | 1x |
| Offer | ||
| Welcome offer | 140,000 bonus points Spend $4,000 in 3 mo | Earn up to 110,000 bonus miles + 2,000 Premier qualifying points Earn 100,000 bonus miles + 2,000 PQP after spending $5,000 in the first 3 months, plus 10,000 bonus miles after adding an employee card in the first 3 months. |
| Benefits | ||
| Estimated benefits | 4 listed | ~$620/yr |
| Benefit highlights | IHG Award-Night Perks · Chase Business Account Tools · No Foreign Transaction Fees · +1 more | $125 United Travel Credit · $100 United Hotels Credits · $100 Rideshare Credits · +6 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | — |
| Reward type | Points | Miles |
Costs
Annual fee
IHG One Rewards Premier Business Credit Card
$99
United Business Card
$150
Foreign transaction fee
IHG One Rewards Premier Business Credit Card
None
United Business Card
None
Rewards
Dining rewards
IHG One Rewards Premier Business Credit Card
5x
United Business Card
2x
Gas rewards
IHG One Rewards Premier Business Credit Card
5x
United Business Card
2x
Other rewards
IHG One Rewards Premier Business Credit Card
—
United Business Card
2x
2X miles at office supply stores and on local transit.
Travel rewards
IHG One Rewards Premier Business Credit Card
10x
10X points on eligible IHG hotel purchases with the card.
United Business Card
2x
2X miles on eligible United purchases.
All rewards
IHG One Rewards Premier Business Credit Card
—
United Business Card
1x
Offer
Welcome offer
IHG One Rewards Premier Business Credit Card
140,000 bonus points
Spend $4,000 in 3 mo
United Business Card
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points
Earn 100,000 bonus miles + 2,000 PQP after spending $5,000 in the first 3 months, plus 10,000 bonus miles after adding an employee card in the first 3 months.
Benefits
Estimated benefits
IHG One Rewards Premier Business Credit Card
4 listed
United Business Card
~$620/yr
Benefit highlights
IHG One Rewards Premier Business Credit Card
IHG Award-Night Perks · Chase Business Account Tools · No Foreign Transaction Fees · +1 more
United Business Card
$125 United Travel Credit · $100 United Hotels Credits · $100 Rideshare Credits · +6 more
Profile
Credit needed
IHG One Rewards Premier Business Credit Card
Good
United Business Card
Good
Network
IHG One Rewards Premier Business Credit Card
—
United Business Card
—
Reward type
IHG One Rewards Premier Business Credit Card
Points
United Business Card
Miles