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COMPARE/IHG ONE REWARDS BUSINESS CREDIT CARD VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

IHG One Rewards Business Credit Card or The Ritz-Carlton Credit Card?

IHG One Rewards Business Credit Card returns $70 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

IHG One Rewards Business Credit Card
IHG One Rewards Business Credit CardChase · $200 fee · 2 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE-$70$130 credits
NET VALUE-$120$330 credits
BEST NET VALUE
IHG One Rewards Business Credit Card
CHASEIHG One Rewards Business Credit Card
FEE$200
CREDITS$130
NET-$70
Category wins0 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 40k Free Night
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel.

Where to use each card

IHG ONE REWARDS BUSINESS CREDIT CARD

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THE RITZ-CARLTON CREDIT CARD
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Airport Lounges48 LOCATIONS
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Frequently asked questions

Which is better, IHG One Rewards Business Credit Card or The Ritz-Carlton Credit Card?

The IHG One Rewards Business Credit Card is better with -$70 net annual value compared to the The Ritz-Carlton Credit Card at -$120. The IHG One Rewards Business Credit Card wins by $50/year.

What's the difference between IHG One Rewards Business Credit Card and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits, while IHG One Rewards Business Credit Card has a $200 annual fee and $130 in annual benefits. The annual fee difference is $250.

Which has a lower annual fee, IHG One Rewards Business Credit Card or The Ritz-Carlton Credit Card?

The IHG One Rewards Business Credit Card has a lower annual fee at $200 compared to the The Ritz-Carlton Credit Card at $450. However, the The Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the IHG One Rewards Business Credit Card worth it compared to the The Ritz-Carlton Credit Card?

Yes, the IHG One Rewards Business Credit Card offers better value with -$70 net annual value compared to -$120 for the The Ritz-Carlton Credit Card. It also has a lower annual fee.

Which card is better for travel?

The The Ritz-Carlton Credit Card is better for travel with $300 in annual travel benefits compared to $100 for the IHG One Rewards Business Credit Card.

Should I get the IHG One Rewards Business Credit Card?

If you're deciding between the IHG One Rewards Business Credit Card and The Ritz-Carlton Credit Card, the IHG One Rewards Business Credit Card is the better choice with -$70 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

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MORE IHG ONE REWARDS BUSINESS CREDIT CARD COMPARISONS

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS