American Express® Business Gold Card vs. IHG One Rewards Premier
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →
IHG One Rewards Premier
Chase
4.2
140,000-point bonus. 26x at IHG. 4th night free on award stays.
Full review →WealthSpott Verdict
American Express® Business Gold Card and IHG One Rewards Premier are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
American Express® Business
IHG One Rewards
Annual Fee
$375/yr
$99/yr Best
Sign-up Bonus
100,000 points
140,000 points
Rewards Rate
1x-4x
3x-26x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
19.49%-27.49% Variable Best
21.49%-28.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
IHG One Rewards Premier
Pros
- 140,000-point sign-up bonus
- Free night certificate annually
- Fourth night free on reward stays
- Platinum Elite status
Cons
- $99 annual fee
- Points tied to IHG ecosystem
- Points worth less per point than Marriott/Hilton
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