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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Business Chase Ink Business Premier

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

Lower annual fee: Chase IHG One Rewards Premier Business

Chase

IHG One Rewards Premier Business

Annual fee
$99
Network
visa
Welcome value
$700
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 Premier

Annual fee
$195
Network
visa
Welcome value
—
Min spend
$10,000 / 3mo

Top earning rates

  • 5×Purchases made using your card through Chase Travel · Chase Ultimate Rewards
  • 5×Qualifying Lyft products and services purchased through the Lyft mobile application · Chase Ultimate Rewards
  • 2.5×Every purchase totaling $5,000 or more · Chase Ultimate Rewards
  • 2×Each $1 spent · Chase Ultimate Rewards

Key benefits

  • Trip Cancellation and Interruption Insurance · $0
  • Extended Warranty · $0
  • $0 Fraud Liability · $0
  • Travel and Emergency Assistance Services · $0
  • Purchase Protection · $0
Full Chase Ink Business Premier 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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