Chase Sapphire Reserve for Business℠ vs IHG One Rewards Traveler Credit Card
Side-by-side comparison
| Chase Sapphire Reserve for Business℠ | IHG One Rewards Traveler Credit Card | |
|---|---|---|
| Annual fee | $795 | No annual fee |
| Welcome offer | 125,000 points | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 3% |
| Travel | 4% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $666 | $666 |
| Points type | Transfers to airlines & hotels | Locked to IHG One Rewards |
| Network | Visa | Mastercard |
*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 Chase Sapphire Reserve for Business℠ earns about $666 a year in rewards and the IHG One Rewards Traveler Credit Card about $666, valuing every point at a flat 1 cent. The Chase Sapphire Reserve for Business℠ charges $795, but carries about $400 in annual statement credits that offset it for anyone who uses them. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the IHG One Rewards Traveler Credit Card delivers more total value, about $595 a year more for a typical spender, mostly because it earns more where you spend most, on phone & internet. The bigger difference is the ceiling: the Chase Sapphire Reserve for Business℠ earns points you can move to travel partners for outsized value, while the IHG One Rewards Traveler Credit Card stays locked to a single airline or hotel program. Favor the Chase Sapphire Reserve for Business℠ if you will use travel transfers, the IHG One Rewards Traveler Credit Card if you want simplicity. On the sign-up bonus, the Chase Sapphire Reserve for Business℠ currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve for Business℠ if your spending leans toward travel. Pick the IHG One Rewards Traveler Credit Card if your spending leans toward phone & internet.