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Compare the Features and Benefits of IHG One Rewards Premier Business Credit Card and
Capital One Spark Cash Select Review

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
No Foreign Transaction Fees
No Fees for Authorized Users
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Free Annual Hotel Night
Grants Hotel Status
Annual Statement Credits
Purchase Protection
Trip Protections
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
Annual Fee
$99
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
10x Hotels

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

5x Airfare
5x Transit
5x Car Rentals
5x Gas Stations
5x Dining Out / Food Delivery
5x Office Supplies
5x Advertising on Search Engines and Social Media
3x Everything Else
Avg. Point Value
(Learn More)
$0.004
Bonus Offer
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.35) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

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.

Earn bonus points on gas station purchases using the IHG Rewards Premier Business Credit Card.

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.

Intercontinental hotel in Malta, part of IHG Rewards

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.

Screenshot showing options to redeem points for Holiday Inn and Holiday Inn Express near Universal Orlando with the IHG credit card free night discount.

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.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Free Annual Hotel Night
yes
Grants Hotel Status
yes
Annual Statement Credits
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
no
Annual Fee
$0
Avg. Min. Credit Score
800-850 *
Ongoing APR
18.49%-24.49% (Variable)
Balance transfers fees
$0 at the Transfer APR
Best Multiplier
5x Car Rentals

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

5x Hotels

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Spark Cash Select credit card is ideal for small business owners that want a cash back card with no annual fee and no foreign transaction fees.

spark cash capital one
It’s a very simple card. You won’t find transferable points nor a rich suite of card benefits here, but that’s the tradeoff to avoid any sort of annual fee. You still get free employee cards.

Small business owners earn 1.5% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

If you also have a Capital One credit card that earns Capital One miles like a  Capital One Spark Miles for Business card, or a personal Venture X, Venture, or VentureOne credit card, you can transfer your cash from the Capital One Spark Cash Select to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Unlike the Spark Cash Plus, the Spark Cash Select will report to your personal credit profile.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Free Annual Hotel Night
no
Grants Hotel Status
no
Annual Statement Credits
no
Purchase Protection
no
Trip Protections
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
yes

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