Snapshot
IHG One Rewards Premier Credit Card | United Club℠ Business Card | |
|---|---|---|
| Issuer | Chase | Chase |
| Network | Mastercard | Visa (Visa Infinite) |
| Card Material | Plastic | Metal |
| Annual Fee | $99.00 | $450.00 |
| Base Rate | 3.00% | 1.00% |
| Travel Rewards | 5.00x | 2.00x |
| Authorized User Fee | $0.00 | $175.00 |
| Foreign Transaction Fee | None | None |
| Credit Reporting | Ex, Eq, Tu | Ex, Eq, Tu |
| Product Lifecycle | Available (3y ago) | Available (7y ago) |
| Minimum Credit Line | N/A | N/A |
Welcome Offer
| Bonus | 150,000 Ihg Points | 75,000 United Miles |
| Spend Requirement | $3,000 | $5,000 |
| Timeline | 90 days | 90 days |
| Efficiency Score | 50.00 pts/$1 | 15.00 pts/$1 |
| Cash Back Value | — | — |
| Portal Travel Value | — | — |
| Transfer Estimated Value | $1,110 | $975 |
Rewards Breakdown
| Base Rate | 3.00% | 1.00% |
| Dining | — | 2.0x |
| IHG Hotels | 26.0x | — |
| Travel, Dining, Gas | 5.0x | — |
| United Purchases | — | 2.0x |
| Anniversary Bonus | 1 Free Night | None |
| Portal Boost | 1x | 1x |
Benefits & Partners
| Transfer Partners | None | None |
| Annual Credits | None | None |
| Partnership Benefits | 3 Programs | 2 Programs |
| 4th Night Free Perk | On IHG reward nights | — |
| IHG Platinum Elite Status Perk | Automatic Platinum Elite | — |
| Premier Access Perk | — | Priority check-in, security, boarding, and baggage |
| United Club Membership Perk | — | Unlimited lounge visits for cardholder + 1 guest |
| United TravelBank Cash Perk | Up to $50 annually | — |
Transfer Partners
Pricing Details
| Purchase APR | 19.24% - 28.24% | 19.74% - 28.24% |
| Cash Advance Fee | 5% | 5% |
| Balance Transfer Fee | 5% | None |
| Late Payment Fee | Up to $40 | Up to $40 |
| Minimum Interest Charge | $0.00 | $0.00 |
| Grace Period | 21 days | 21 days |
| Penalty APR | 29.99% | 29.99% |
Insurance & Protections
| Auto Rental Coverage | Secondary ($50,000) | Primary ($75,000) |
| Trip Cancellation | None | Up to $20,000 |
| Trip Delay | None | Up to $500 |
| Purchase Protection | Up to $500 / Item | Up to $10,000 / Item |
| Extended Warranty | +1 Year | +1 Year |
| Return Protection | None | None |
| Cell Phone Protection | None | None |
| TSA PreCheck | Included | Included |
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay | apple-pay, google-pay, samsung-pay |
| Customer Service | Standard Support | 24/7 Business Specialist |
| Instant Use | Available | Available |
Strategy & Eligibility
| Min. Credit Score | 670+ | 720+ |
| Recommended Range | Good | Excellent |
| Chase 5/24 Rule | Strict (Chase) | Strict (Chase) |
| Lifetime Restriction | None | None |
| Active Family Restriction | No | No |
| Closure Grace Period | None | None |