IHG One Rewards Premier vs Ink Business Unlimited®
Side-by-side comparison
| IHG One Rewards Premier | Ink Business Unlimited® | |
|---|---|---|
| Annual fee | $99 | No annual fee |
| Welcome offer | Up to 185,000 IHG One Rewards Points | |
| Advertising | 3% | 1.5% |
| Shipping | 3% | 1.5% |
| Office supplies | 3% | 1.5% |
| Phone & internet | 3% | 1.5% |
| Travel | 5% | 1.5% |
| Everything else | 3% | 1.5% |
| Est. yearly rewards* | $1,530 | $675 |
| Points type | Locked to IHG One Rewards | Pools with Chase → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the IHG One Rewards Premier earns about $1,530 a year in rewards and the Ink Business Unlimited® about $675, valuing every point at a flat 1 cent. The IHG One Rewards Premier charges $99, which you clear through its rewards and perks. The Ink Business Unlimited® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the IHG One Rewards Premier delivers more total value, about $756 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and travel. The bigger difference is the ceiling: the Ink Business Unlimited® earns points you can move to travel partners for outsized value, while the IHG One Rewards Premier stays locked to a single airline or hotel program. Favor the Ink Business Unlimited® if you will use travel transfers, the IHG One Rewards Premier if you want simplicity. On the sign-up bonus, the IHG One Rewards Premier currently has the larger welcome offer. Note that Ink Business Unlimited® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the IHG One Rewards Premier if your spending leans toward advertising, shipping, office supplies.