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COMPARE/IHG ONE REWARDS BUSINESS CREDIT CARD VS SAPPHIRE RESERVE
FIRST CARD
SECOND CARD

IHG One Rewards Business Credit Card or Chase Sapphire Reserve?

Chase Sapphire Reserve returns $2,276 over its fee and IHG One Rewards Business Credit Card returns $70, 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
Chase Sapphire Reserve
Chase Sapphire ReserveChase · $795 fee · 13 credits
NET VALUE-$70$130 credits
NET VALUE+$2,276$3,071 credits
IHG One Rewards Business Credit Card
CHASEIHG One Rewards Business Credit Card
FEE$200
CREDITS$130
NET-$70
Category wins0 of 5
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 40k Free Night
BEST NET VALUE
Chase Sapphire Reserve
CHASEChase Sapphire Reserve
FEE$795
CREDITS$3,071
NET+$2,276
Category wins5 of 5
ADDITIONAL BENEFITS
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Food & Dining and Entertainment & Media and Lifestyle and Transportation alone are worth $1,991 here and nothing on the IHG One Rewards Business Credit Card.

Where to use each card

IHG ONE REWARDS BUSINESS CREDIT CARD

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SAPPHIRE RESERVE
🍽️
Chase Exclusive Tables Restaurants458 LOCATIONS
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Airport Lounges48 LOCATIONS
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Frequently asked questions

Which is better, IHG One Rewards Business Credit Card or Chase Sapphire Reserve?

The Chase Sapphire Reserve is better with $2,276 net annual value compared to the IHG One Rewards Business Credit Card at -$70. The Chase Sapphire Reserve wins by $2,346/year.

What's the difference between IHG One Rewards Business Credit Card and Chase Sapphire Reserve?

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,071 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 $595.

Which has a lower annual fee, IHG One Rewards Business Credit Card or Chase Sapphire Reserve?

The IHG One Rewards Business Credit Card has a lower annual fee at $200 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,071 in total annual benefits.

Is the Chase Sapphire Reserve worth it compared to the IHG One Rewards Business Credit Card?

Yes, the Chase Sapphire Reserve offers better value with $2,276 net annual value compared to -$70 for the IHG One Rewards Business Credit Card. Even though it has a higher annual fee ($795 vs $200), the Chase Sapphire Reserve provides more total benefits.

Which card is better for travel?

The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $100 for the IHG One Rewards Business Credit Card.

Should I get the Chase Sapphire Reserve?

If you're deciding between the IHG One Rewards Business Credit Card and Chase Sapphire Reserve, the Chase Sapphire Reserve is the better choice with $2,276 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,111
VS
Chase Sapphire Reserve+$2,276
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American Express Platinum+$2,111
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,276
See the breakdown →
American Express Business Platinum+$1,274
VS
Chase Sapphire Reserve for Business+$1,275
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American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
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American Express Gold+$99
VS
American Express Platinum+$2,111
See the breakdown →

MORE IHG ONE REWARDS BUSINESS CREDIT CARD COMPARISONS

MORE SAPPHIRE RESERVE COMPARISONS