IHG One Rewards Premier Business vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, IHG One Rewards Premier Business or Sapphire Reserve for Business?

The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), 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 Sapphire Reserve for Business?

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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.

Can I have both the IHG One Rewards Premier Business and Sapphire Reserve for Business?

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 Sapphire Reserve for Business 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. Sapphire Reserve for Business: $20,000 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.