My Best Buy Visa Card vs IHG One Rewards Premier Business Credit Card

Side-by-side comparison of My Best Buy Visa Card and IHG One Rewards Premier Business Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	My Best Buy Visa Card	IHG One Rewards Premier Business Credit Card
Issuer	Citibank	Chase
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$99.00
Base Rate	1.00%	3.00%
Travel Rewards	0.00x	5.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	3.0% (base)
Best Buy	5.0%	3.0% (base)
Gas Stations	3.0%	5.0%
Restaurants	2.0%	5.0%
Supermarkets	2.0%	3.0% (base)
Hotels	1.0% (base)	26.0%
Travel	1.0% (base)	5.0%
Select Business Categories	1.0% (base)	5.0%
Anniversary Bonus	None	[object Object]
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	10.99% - 18.99%	12.49% - 21.49%
Cash Advance APR	21.24%	21.74%
Penalty APR	21.49%	23.24%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	—	✓
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	✓
Purchase Protection	—	120 days
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Citi 8/65	Standard