IHG One Rewards Premier Business Credit Card vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of IHG One Rewards Premier Business Credit Card and The Plum Card from American Express — 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 7.3/10).
| Scored on | IHG One Rewards Premier Business Credit Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $99 | $250 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 21.49% - 28.49% Variable | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, IHG One Rewards Premier Business Credit Card or The Plum Card from American Express?
On our five-axis scorecard, IHG One Rewards Premier Business Credit Card scores higher (7.8/10 vs 7.3/10). A high-value travel tool that pays for itself through a single free night, despite Chase's strict application rules.
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.
Who should skip The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.