IHG One Rewards Traveler Credit Card vs Ink Business Cash®
Side-by-side comparison
| IHG One Rewards Traveler Credit Card | Ink Business Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 125,000 points | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 5% |
| Phone & internet | 3% | 5% |
| Travel | 3% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $666 | $684 |
| 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 Traveler Credit Card earns about $666 a year in rewards and the Ink Business Cash® about $684, valuing every point at a flat 1 cent. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. The Ink Business Cash® has no annual fee, so its rewards are all profit. The two are close on value, but the Ink Business Cash® edges ahead by about $18 a year, mostly because it earns more where you spend most, on office supplies and phone & internet. The bigger difference is the ceiling: the Ink Business Cash® 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 Ink Business Cash® if you will use travel transfers, the IHG One Rewards Traveler Credit Card if you want simplicity. On the sign-up bonus, the IHG One Rewards Traveler Credit Card currently has the larger welcome offer. Note that Ink Business Cash® 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 Traveler Credit Card if your spending leans toward travel. Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet.