IHG One Rewards Premier vs. American Express Blue Business Cash Card
Side-by-side comparison · Updated 2026 · Independently reviewed
IHG One Rewards Premier
Chase
4.2
140,000-point bonus. 26x at IHG. 4th night free on award stays.
Full review →
American Express Blue Business Cash Card
American Express
4.7
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Full review →WealthSpott Verdict
American Express Blue Business Cash Card wins on more measurable categories — particularly annual cost. IHG One Rewards Premier may still win for your wallet depending on your spending patterns.
Feature
IHG One Rewards
American Express Blue
Annual Fee
$99/yr
$0 Best
Sign-up Bonus
140,000 points
$250 statement credit after $3k spend in 3 months
Rewards Rate
3x-26x
2% on first $50k then 1%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
None
Regular APR
21.49%-28.49% Variable
18.49%-26.49% Best
Foreign Transaction Fee
None
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Recommended Credit Score
670-850
670+
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
American Express Blue Business Cash Card
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