American Express® Business Gold Card vs IHG One Rewards Business Credit Card

American Express® Business Gold CardAmerican Express® Business Gold Card

American Express

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IHG One Rewards Business Credit CardIHG One Rewards Business Credit Card

Chase

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Annual Fee
$375
$200
Card Type
Business
Business
Rewards Currency
Membership Rewards
IHG One Rewards Points
Point Value
2.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
Up to 200,000 Membership Rewards points after $15,000 in 3 months (offers vary)
200,000 IHG One Rewards Points after $9,000 in 90 days

Effective return by category

CategoryAmerican Express® Business Gold CardIHG One Rewards Business Credit Card
Gas Stations8.00%
4x · Capped Spending · $150,000 cap
2.50%
5x
Dining & Restaurants8.00%
4x · Capped Spending · $150,000 cap
2.50%
5x
Online Advertising8.00%
4x · Capped Spending · $150,000 cap
2.50%
5x
Rideshare & Transit8.00%
4x · Capped Spending · $150,000 cap
1.50%
3x
Food Delivery8.00%
4x · Capped Spending · $150,000 cap
1.50%
3x
Electronics Stores8.00%
4x · Capped Spending · $150,000 cap
1.50%
3x
Phone & Wireless8.00%
4x · Capped Spending · $150,000 cap
1.50%
3x
Card Travel Portals6.00%
3x
1.50%
3x
Airfare2.00%
1x
2.50%
5x
Car Rentals2.00%
1x
2.50%
5x
Everything else2.00%
1x
1.50%
3x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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