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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Business Chase Ink Business Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Ink Business Preferred

Chase

IHG One Rewards Premier Business

Annual fee
$99
Network
visa
Welcome value
~$840
Min spend
$4,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Dining · IHG One Rewards
  • 5×Advertising · IHG One Rewards
  • 5×Office supplies · IHG One Rewards

Key benefits

  • Anniversary Free Night · $280
  • Additional 40,000-Point Free Night (Spend Tier) · $280
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • $100 Statement Credit and 10,000 Bonus Points (Spend Tier) · $100
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier Business review

Chase

Ink Business Preferred

Annual fee
$95
Network
visa
Welcome value
—
Min spend
$8,000 / 3mo

Top earning rates

  • 5×Qualifying Lyft products and services
  • 3×Shipping; social media and search engine advertising; travel; internet, cable, and phone services
  • 1×All other purchases

Key benefits

  • Monthly DoorDash non-restaurant discount · $10
  • Travel partner point transfers · $0
  • No Foreign Transaction Fees · $0
  • Travel and Emergency Assistance Services · $0
  • Employee Cards · $0
Full Chase Ink Business Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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