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Delta SkyMiles Platinum Business American Express Card vs IHG One Rewards Premier

Both are well-respected travel cards. The Delta SkyMiles Platinum Business American Express Card comes from American Express at $350/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the IHG One Rewards Premier — its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureDelta SkyMiles Platinum Business American Express CardIHG One Rewards Premier
Annual fee$350$99
Sign-up bonus85,000 miles185,000 points
Bonus value (est.)$1,020$925
Min spend to unlock bonus$6,000 in 6 mo$3,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryairlinehotel
Best earning category (Delta)3x1x
Transfer partnersskymilesNone
Headline benefits
  • Annual companion cert
  • Free bag for 9 travelers
  • Sky Club at $50/visit
  • $10/mo resy credit
  • Free night award annually
  • Platinum Elite status
  • 4th night free on awards
  • 10x at IHG properties
Read the full review
Delta SkyMiles Platinum Business American Express Card
$350/yr · 85,000 miles
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 points

Editorial take: Delta SkyMiles Platinum Business American Express Card

Strong middle-tier Delta card. The annual companion certificate alone covers the $350 fee for any couple flying domestic. Sky Club access at member rate is also better than nothing.

Editorial take: IHG One Rewards Premier

A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Business American Express Card or IHG One Rewards Premier?
The Delta SkyMiles Platinum Business American Express Card has the bigger bonus — 85,000 miles, worth roughly $1,020, versus 185,000 points (~$925) on the IHG One Rewards Premier.
Is the Delta SkyMiles Platinum Business American Express Card's $350 annual fee worth it compared to the IHG One Rewards Premier?
At $350/yr, the Delta SkyMiles Platinum Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Premier's — pick the one whose perks you'll actually use.
Can I have both the Delta SkyMiles Platinum Business American Express Card and IHG One Rewards Premier?
Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Delta SkyMiles Platinum Business American Express Card or the IHG One Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Business American Express Card: $6,000 spend in 6 months. IHG One Rewards Premier: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.