American Express Business Platinum vs IHG One Rewards Premier Business Credit Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 6.6/10).
| Scored on | American Express Business Platinum | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Right fit for small biz | 5 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 4 | 8 |
| Customer support | 8 | 6 |
| Features | 9 | 9 |
| Annual Fee | $695 | — |
| Foreign Transaction Fee | $0 | — |
| Intro APR | N/A (Charge Card) | — |
| Annual fee | — | $99 |
| Foreign transaction fee | — | $0 |
| Purchase APR | — | 21.49% - 28.49% variable |
| Late payment fee | — | Up to $40 |
American Express Business Platinum in one paragraph
A powerhouse for high-spend travelers, but a calculated liability for the average local small business owner.
Skip it if: Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
IHG One Rewards Premier Business Credit Card in one paragraph
A high-value travel tool that pays for itself through a single annual free night and United Airlines credits.
Skip it if: You prefer staying at boutique Airbnbs or don't want to be locked into a specific hotel brand's ecosystem.
Read the full IHG One Rewards Premier Business Credit Card review
Frequently asked questions
Which is better, American Express Business Platinum 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 6.6/10). A high-value travel tool that pays for itself through a single annual free night and United Airlines credits.
Who should skip American Express Business Platinum?
Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
Who should skip IHG One Rewards Premier Business Credit Card?
You prefer staying at boutique Airbnbs or don't want to be locked into a specific hotel brand's ecosystem.