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Side-by-side
Capital One Platinum Secured Mastercard vs IHG One Rewards Premier Business
Both are well-respected travel cards. The Capital One Platinum Secured Mastercard comes from Capital One at $0/yr; the IHG One Rewards Premier Business from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Capital One Platinum Secured Mastercard | IHG One Rewards Premier Business |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | Not advertised | 140,000 Bonus Points |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | secured | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Platinum Secured Mastercard
$0/yr ·
Read the full review
IHG One Rewards Premier Business
$99/yr · 140,000 Bonus Points
Editorial take: IHG One Rewards Premier Business
Common questions
- Which card has the bigger sign-up bonus, Capital One Platinum Secured Mastercard or IHG One Rewards Premier Business?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Capital One Platinum Secured Mastercard's $0 annual fee worth it compared to the IHG One Rewards Premier Business?
- The Capital One Platinum Secured Mastercard has no annual fee, so the question is whether the IHG One Rewards Premier Business's $99 fee is justified by its perks. If you'll use enough of the IHG One Rewards Premier Business's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Capital One Platinum Secured Mastercard.
- Can I have both the Capital One Platinum Secured Mastercard and IHG One Rewards Premier Business?
- Yes, since they're from different issuers (Capital One 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 Capital One Platinum Secured Mastercard or the IHG One Rewards Premier Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Platinum Secured Mastercard: no published min spend. IHG One Rewards Premier Business: $4,000 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.