IHG One Rewards Premier Business vs Marriott Bonvoy Business® American Express® Card
Side-by-side comparison
| IHG One Rewards Premier Business | Marriott Bonvoy Business® American Express® Card | |
|---|---|---|
| Annual fee | $99 | $125 |
| Welcome offer | 140,000 points | |
| Advertising | 5% | 2% |
| Shipping | 3% | 4% |
| Office supplies | 3% | 2% |
| Phone & internet | 3% | 4% |
| Travel | 5% | 2% |
| Everything else | 3% | 2% |
| Est. yearly rewards* | $1,722 | $1,092 |
| Points type | Locked to IHG One Rewards | Locked to Marriott Bonvoy |
| Network | Mastercard | Amex |
*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 Business earns about $1,722 a year in rewards and the Marriott Bonvoy Business® American Express® Card about $1,092, valuing every point at a flat 1 cent. The IHG One Rewards Premier Business charges $99, which you clear through its rewards and perks. The Marriott Bonvoy Business® American Express® Card charges $125, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the IHG One Rewards Premier Business delivers more total value, about $656 a year more for a typical spender, mostly because it earns more where you spend most, on advertising and everything else. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. Note that Marriott Bonvoy Business® American Express® Card 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 Business if your spending leans toward advertising, office supplies, travel. Pick the Marriott Bonvoy Business® American Express® Card if your spending leans toward shipping, phone & internet.