IHG Premier Business vs Sapphire Reserve Business
IHG Premier Business
$99/yr
6.0/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
IHG Premier Business charges $99/yr with 1X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. IHG Premier Business offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
IHG Premier Business
Lower annual fee ($99 vs $795)
Rewards Earning
IHG Premier Business
7 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
IHG Premier Business wins for most people
The $696 fee difference is hard to justify unless you maximize premium benefits.
Apply for IHG Premier BusinessPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
IHG Premier Business
| IHG Hotels & Resorts | 10.0X |
| Travel | 4.0X |
| Dining | 3.0X |
| Gas stations | 3.0X |
| Social media & search engine advertising | 3.0X |
| Office supply stores | 3.0X |
| Everything else | 1.0X |
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| Everything else | 1.0X |