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IHG One Rewards Premier Business vs Chase Sapphire Preferred
Both are travel travel cards. The IHG One Rewards Premier Business comes from Chase at $99/yr; the Chase Sapphire Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The IHG One Rewards Premier Business costs $4 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | IHG One Rewards Premier Business | Chase Sapphire Preferred |
|---|---|---|
| Annual fee | $99 | $95 |
| Sign-up bonus | 140,000 Bonus Points | 75,000 points |
| Bonus value (est.) | - | $1,500 |
| Min spend to unlock bonus | $4,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | travel |
| Best earning category (Travel) | 5x | 5x |
| Transfer partners | None | chase-ur |
| Headline benefits |
|
Read the full review
IHG One Rewards Premier Business
$99/yr · 140,000 Bonus Points
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points
Editorial take: Chase Sapphire Preferred
The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier Business or Chase Sapphire Preferred?
- The Chase Sapphire Preferred has a public bonus (75,000 points, worth roughly $1,500), while the IHG One Rewards Premier Business doesn't advertise one right now.
- Is the IHG One Rewards Premier Business's $99 annual fee worth it compared to the Chase Sapphire Preferred?
- At $99/yr, the IHG One Rewards Premier Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Sapphire Preferred's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier Business and Chase Sapphire Preferred?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 IHG One Rewards Premier Business or the Chase Sapphire Preferred first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier Business: $4,000 spend in 3 months. Chase Sapphire Preferred: $5,000 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.