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 7/10).
| Scored on | American Express Business Platinum | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 8 |
| Customer support | 7 | 6 |
| Features | 9 | 9 |
| Annual Fee | $695 | $99 |
| Foreign Transaction Fee | None | $0 |
| Late Payment Fee | Up to $39 | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% Variable |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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 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 7/10). 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 Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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.