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 7.1/10).
| Scored on | IHG One Rewards Premier Business Credit Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 6 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual fee | $99 | — |
| Foreign transaction fee | $0 | — |
| Purchase APR | 21.49% - 28.49% variable | — |
| Late payment fee | Up to $40 | — |
| Annual Fee | — | $250 |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
| Foreign Transaction Fee | — | $0 |
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
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
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 7.1/10). A high-value travel tool that pays for itself through a single annual free night and United Airlines credits.
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.
Who should skip The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.