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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

  • Fourth Reward Night Free · $200
  • Anniversary Free Night · $200
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • DoorDash Non-Restaurant Discount · $10
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier review

Chase

Sapphire Reserve for Business

Annual fee
$795
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Qualifying Lyft products and services · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards
  • 3×Social media and search engine advertising · Ultimate Rewards

Key benefits

  • The Edit on-property benefits · $550
  • $500 The Edit hotel credit · $500
  • $500 The Shops at Chase credit (Spend Tier) · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 annual travel credit · $300
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.

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