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Chase Ink Business Preferred vs IHG One Rewards Premier

Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase at $95/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

For most people the Chase Ink Business Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,075 more in estimated value) than the IHG One Rewards Premier's. Get the Chase Ink Business Preferred first; revisit the IHG One Rewards Premier after you've earned that bonus.

FeatureChase Ink Business PreferredIHG One Rewards Premier
Annual fee$95$99
Sign-up bonus100,000 points185,000 bonus points
Bonus value (est.)$2,000$925
Min spend to unlock bonus$8,000 in 3 mo$3,000 in 3 mo
IssuerChaseChase
Card categorybusinesshotel
Best earning category (Travel)3x5x
Transfer partnerschase-urNone
Headline benefits
  • 100,000 point sign-up bonus
  • 3x on travel, shipping, ads, internet ($150k cap)
  • Cell phone protection
  • Transfer to UR partners
  • Free night award annually
  • Platinum Elite status
  • 4th night free on awards
  • 10x at IHG properties
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points

Editorial take: Chase Ink Business Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.

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, Chase Ink Business Preferred or IHG One Rewards Premier?
The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus 185,000 bonus points (~$925) on the IHG One Rewards Premier.
Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the IHG One Rewards Premier?
At $95/yr, the Chase Ink Business Preferred 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 Chase Ink Business Preferred and IHG One Rewards Premier?
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 Chase Ink Business Preferred or the IHG One Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Preferred: $8,000 spend in 3 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.