IHG One Rewards Premier Credit Card or United Business Card?

United Business Card returns $291 over its fee and IHG One Rewards Premier Credit Card returns $30, so the fee difference comes down to which categories you use.

IHG One Rewards Premier Credit CardChase · $150 fee · 3 credits

United Business CardChase · $150 fee · 5 credits

NET VALUE+$30$180 credits

NET VALUE+$291$441 credits

CATEGORY	IHG ONE REWARDS PREMIER CREDIT CARD	UNITED BUSINESS CARD
🌎Travel	$150	$225
🍽️Food & Dining	—	$120
🚗Transportation	—	$96
Hotel Free Night Certificates	IHG 50k Free Night	—
Total credits	$180	$441
Annual fee	$150	$150
Net value	+$30	+$291

CHASEIHG One Rewards Premier Credit Card

FEE$150

CREDITS$180

NET+$30

Category wins0 of 3

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

IHG 50k Free Night

BEST NET VALUE

CHASEUnited Business Card

FEE$150

CREDITS$441

NET+$291

Category wins3 of 3

TAKE THE UNITED BUSINESS CARD IF

You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $216 here and nothing on the IHG One Rewards Premier Credit Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.

Start tracking free

Frequently asked questions

Which is better, IHG One Rewards Premier Credit Card or United Business Card?

The United Business Card is better with $291 net annual value compared to the IHG One Rewards Premier Credit Card at $30. The United Business Card wins by $261/year.

What's the difference between IHG One Rewards Premier Credit Card and United Business Card?

The key differences: United Business Card has a $150 annual fee and $441 in annual benefits, while IHG One Rewards Premier Credit Card has a $150 annual fee and $180 in annual benefits.

Is the United Business Card worth it compared to the IHG One Rewards Premier Credit Card?

Yes, the United Business Card offers better value with $291 net annual value compared to $30 for the IHG One Rewards Premier Credit Card. It also has a similar annual fee.

Which card is better for food_and_dining?

The United Business Card is better for food_and_dining with $120 in annual food_and_dining benefits compared to $0 for the IHG One Rewards Premier Credit Card.

Should I get the United Business Card?

If you're deciding between the IHG One Rewards Premier Credit Card and United Business Card, the United Business Card is the better choice with $291 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.