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IHG One Rewards Premier Business

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IHG One Rewards Premier Business
4.6

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Up to 26x Points at IHG® Hotels and Resorts:** 10x points for every $1 spent with the IHG One Rewards Premier Card + up to 10x points as an IHG One Rewards member + up to 6x point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember. Earn 5x points on travel, dining, select business purchases, and gas, plus 3x points on all other purchases.

3x - 10x Points

Welcome Offer Earn 140,000 bonus points after spending $4,000 in the first 3 months. That's up to 4 nights at IHG Hotels & Resorts.

140,000 Points

Welcome Offer

  • Earn 140,000 bonus points after spending $4,000 in the first 3 months. That’s up to 4 nights at IHG Hotels & Resorts.

Rewards

  • Up to 26x Points at IHG® Hotels and Resorts: 10x points for every $1 spent with the IHG One Rewards Premier Card + up to 10x points as an IHG One Rewards member + up to 6x point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
  • 5x Points Categories: 
    • 5x Points at Gas Stations.
    • 5x Points on Dining.
    • 5x Points on Travel.
    • 5x Points on Select Business Purchases.
  • 3x Points on All Other Purchases.
  • Annual Bonus: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 in purchases each calendar year.
  • Discount on Points Purchases: Save 20% when you purchase points with your IHG One Rewards Premier credit card.

Elite Hotel Status

  • Platinum Elite Status in IHG One Rewards: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.

Fees and APR

  • Annual Fee: $99.
  • Regular APR: 19.24% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Redemption Options

  • Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
  • Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.

Travel Benefits

  • Free Night Award Every Year: Enjoy a Free Night Award (valued up to 40,000 points) each calendar year. Certain hotels have resort fees.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
  • Global Entry/TSA PreCheck®/NEXUS Fee Credit: Get up to $120 every four years for the application fee.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim.

Additional Features

  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

  • Click Apply Now to see the terms and conditions.
The IHG One Rewards Premier Business Credit Card is best suited for business owners who regularly stay at IHG properties and can consistently use its hotel-focused benefits. This card earns up to 26x points on IHG stays, 5x points on travel, dining, gas, and select business purchases, and 3x points on all other spending. It also includes a sign-up bonus, automatic Platinum Elite status, and an annual free night award, along with useful perks like the 4th night free on award stays, Global Entry, TSA PreCheck®, or NEXUS credit, and no foreign transaction fees. That said, this is not a one-size-fits-all business card. Its value depends heavily on how often you stay with IHG and whether you can use the free night and elite benefits each year. For businesses that book hotels regularly with IHG, the card can offer solid long-term value. For others, especially those looking for flexible rewards or cashback, it may be less compelling.