Compare the Features and Benefits of IHG One Rewards Premier Business Credit Card and
Capital One Quicksilver Cash Rewards Credit Card

The IHG Rewards Premier Business Credit Card is IHG’s small business credit card. And, for small business owners who even occasionally travel, it’s easily worth its annual fee. That’s because the free night certificate earned each account anniversary year should easily save you more than the $99 annual fee.

Other card perks just add to the card’s value: bonus points on wide-ranging purchases, Platinum Elite status, and the fourth night free on rewards stays.

Purchases made using the IHG Rewards Premier Business Credit Card earn 10 IHG points per dollar at hotels participating in the IHG Rewards program, 5x IHG points per dollar on travel, dining, social media and search engine advertising, office supply stores, and gas stations. All other purchases charged to the IHG Rewards Premier Business Credit Card earn 3 points per dollar.

IHG point earnings are further boosted by the IHG Platinum Elite status that comes as a perk of the IHG Rewards Premier Business Credit Card. Platinum Elite members earn 60% bonus points on top of the base earning rate of 10 points per dollar. That nets a total of 26 IHG points per dollar at IHG hotels.

Big spenders can rack up additional rewards on the IHG Rewards Premier Business Credit Card. Receive a $100 statement credit plus 10,000 bonus points after spending $20,000 in a calendar year. Then, upgrade to Diamond Elite status after spending $40,000 in purchase in a calendar year. Finally, earn another free night award by spending $60,000 in purchases (plus one additional purchase) in one calendar year using your IHG Rewards Premier Business Card.

Small business owners can also earn points on employee spending. There’s no additional annual fee to add employee cards.

IHG Rewards members can redeem points for a reward night at any hotels participating in the IHG portfolio. That spans everything from luxury InterContinental Hotels to practical Holiday Inn hotels.

Even better, when you redeem IHG Rewards points for a stay of at least four consecutive nights, you’ll get a free night through the IHG Rewards Premier Business Credit Card’s fourth reward night free benefit.

IHG Rewards Premier Business Card cardholders get a free night award each year. This certificate can be redeemed for an IHG hotel night stay costing up to 40,000 IHG Rewards points. Sure, that’s not going to get you an overwater villa in Bora Bora, but that free night will cover a stay at many IHG hotels.

The Capital One Quicksilver Cash Rewards Credit Card is perfect for someone that wants a simple cash back card (no need to remember which card to use for which bonus category and does a lot of international travel. While the Citi Double Cash card earns 2% cash back on everything, the Double Cash carries a foreign transaction fee of 3% of your purchase.

With Quicksilver, you will never pay any foreign transaction fees or annual fees, and you’ll earn a simple 1.5% cash back on everything. If you book travel via the Capital One Travel portal, you’ll earn 5% on hotels and rental cars (1.5% if booked outside of Capital One Travel).

Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver card.

PRO TIP:

If you have another credit card which earns Capital One Miles, like the Capital One Venture X, Capital One Venture, Capital One VentureOne, or Capital One Spark Miles for Business, you can transfer your cash from your Quicksilver to those cards, turning them into Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Here’s a list of Capital One Miles airline and hotel transfer partners