IHG One Rewards Premier Business Credit Card vs United Club Business Card: which one fits your business?
Side-by-side comparison of IHG One Rewards Premier Business Credit Card and United Club Business 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 | IHG One Rewards Premier Business Credit Card | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 6 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $99 | $450 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 21.49% - 28.49% Variable | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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
United Club Business Card in one paragraph
A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Skip it if: You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.
Frequently asked questions
Which is better, IHG One Rewards Premier Business Credit Card or United Club Business 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 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 United Club Business Card?
You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.