Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Chase Sapphire Reserve for Business

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

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
$700
Min spend
$3,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Travel · IHG One Rewards
  • 5×Gas Stations · IHG One Rewards
  • 5×Dining · IHG One Rewards

Key benefits

  • 26X Total Points at IHG Hotels · $780
  • 3X Points Base Rate · $750
  • Diamond Elite Status (Spend Tier) · $500
  • 5X Points on Travel, Dining, and Gas · $360
  • Automatic Platinum Elite Status · $300
Full Chase IHG One Rewards Premier review

Chase

Sapphire Reserve for Business

Annual fee
$795
Network
visa
Welcome value
—
Min spend
$30,000 / 6mo

Top earning rates

  • 10×travel booked through Chase Travel · Ultimate Rewards
  • 10×dining booked through Chase Travel · Ultimate Rewards
  • 5×flights booked through Chase Travel · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • $500 Credit for stays with The Edit · $500
  • $250 Credit for Select Chase Travel Hotels · $250
  • IHG One Rewards Platinum Elite status · $200
  • The Edit Property Benefits · $100
  • Global Entry / TSA PreCheck / NEXUS Credit · $100
Full Chase Sapphire Reserve for Business 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.

Get my personal answer