American Express Business Gold vs IHG One Rewards Premier Business Credit Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and IHG One Rewards Premier Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: IHG One Rewards Premier Business Credit Card wins on our scorecard (7.8/10 vs 7.5/10).
| Scored on | American Express Business Gold | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 9 |
| Annual Fee | $375 | $99 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $39 | Up to $40 |
| Additional Employee Cards | $0 for first 99 cards | — |
| Purchase APR | — | 21.49% - 28.49% Variable |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
IHG One Rewards Premier Business Credit Card in one paragraph
A high-value travel tool that pays for itself through a single free night, despite Chase's strict application rules.
Skip it if: You don't stay at IHG properties at least twice a year or you have already opened 5+ cards in the last two years.
Read the full IHG One Rewards Premier Business Credit Card review
Frequently asked questions
Which is better, American Express Business Gold or IHG One Rewards Premier Business Credit Card?
On our five-axis scorecard, IHG One Rewards Premier Business Credit Card scores higher (7.8/10 vs 7.5/10). A high-value travel tool that pays for itself through a single free night, despite Chase's strict application rules.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Who should skip IHG One Rewards Premier Business Credit Card?
You don't stay at IHG properties at least twice a year or you have already opened 5+ cards in the last two years.