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Compare the Features and Benefits of IHG One Rewards Premier Business Credit Card and
Capital One Venture X Credit Card

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
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Annual Statement Credits
Extended Warranty
Purchase Protection
Trip Protections
Travel and Emergency Assistance Services
No Foreign Transaction Fees
No Fees for Authorized Users
Free Annual Hotel Night
Grants Hotel Status
Does Not Report Credit Line to Personal Credit Profile
Airport Lounge Access
Grants Car Rental Status
Earns Transferable Points
Metal Card
Cell Phone Protection
Free Access to Credit Score
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
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Annual Hotel Night
yes
Grants Hotel Status
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Airport Lounge Access
no
Grants Car Rental Status
no
Earns Transferable Points
no
Metal Card
no
Cell Phone Protection
no
Free Access to Credit Score
no
Annual Fee
$395
Avg. Min. Credit Score
800-850 *
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) 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 Capital One Venture X rewards credit card is an incredibly well rounded travel credit card that is easy to recommend to almost anyone. The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting Priority Pass, Plaza Premium, Capital One Lounges, and Virgin Clubhouse airport lounge access, free authorized users that get that get the same (even when not traveling with you), top tier car rental status, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, primary car rental CDW, cell phone protection, Extended Warranty, Purchase Protection, and travel benefits like trip delay or trip cancellation.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus of 75,000 miles worth at least $750. I think that offsets it nicely!

In my opinion, this card is simply one of the best travel cards around in terms of both benefits and value for money.

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

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