MaxRewards Logo
  • Home
Sign InSign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. IHG One Rewards Premier Business Credit Card
Chase

IHG One Rewards Premier Business Credit Card

Built for small business owners who stay at IHG properties, the IHG One Rewards Premier Business Credit Card turns hotel spending and routine business expenses into valuable award nights. It functions as a focused travel card that easily covers its low annual fee for regular IHG guests.

Welcome Offer
Limited Time Offer: Earn 140,000 Bonus Points
Annual Fee
$99
Rec. Credit Score
Good
Good For
Small business IHG loyalists
Learn MoreEstimate your value
IHG One Rewards Premier Business Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the IHG One Rewards Premier Business Credit Card worth it?

This card is great for...

Annual IHG hotel stays

Fourth-night free award redemptions

Primary business car rentals

For almost any small business owner who books IHG hotels a few times a year, the $99 annual fee is easy to justify. The key driver of value is the annual anniversary free night, which can be topped off with points to unlock higher-tier properties. Combined with automatic Platinum Elite status and the fourth night free benefit on award redemptions, cardholders can easily recoup the fee on a single stay. Outside of IHG bookings, the card offers solid earnings with 5x points on gas, dining, travel, and select advertising. However, because IHG points are best redeemed within their ecosystem, businesses seeking general flexibility might prefer a card that earns transferable rewards.

MaxRewards

MaxRewards Verdict

This card delivers strong value for business travelers who stay at IHG brands, easily offsetting its $99 fee through an annual free night and practical stay perks. It is less suited for businesses that want flexible points for multiple airlines or hotel programs.

Welcome Offer

Earn 140,000 Bonus Points

Limited Time Offer

after spending $4,000 on purchases in the first 3 months from account opening.

Est. Value

$826

Required Spend

$4,000

Time Frame

3 Months

Est. Value

$826

Required Spend

$4,000

Time Frame

3 Months

Earning

Rewards

You will earn IHG One Rewards points on every purchase, featuring maximum returns on IHG hotel stays alongside elevated rates on common business expenses like gas, dining, travel, and advertising.

CategoryRate

IHG Hotel Stays

15.3%

Travel, Gas Stations, Select Advertising, Restaurants

3.0%

All Other Purchases

1.8%

Rewards percent based on a valuation of 0.59¢ per IHG point

Annual Credits & Perks

Benefits

Beyond earning points, the card offers several practical travel protections and ongoing perks that easily offset the $99 annual fee.

BenefitAnnual value
$15,000
$50
$30

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
IHG One Rewards Premier Business Credit CardUp to $50 United TravelBank Cash each year
Autotracked
$0 of $50Every 12 months

Benefits

Insurance

Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.


Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.


Trip Cancellation and Interruption Insurance

You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.


Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.


Auto Rental Coverage

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Benefits

Status & Access

Earn your way into Diamond Elite Status

Starting in 2027, earn IHG One Rewards Diamond Elite status after you spend  $50,000 on purchases each calendar year.


Platinum Elite Status 

As an IHG One Rewards Business Credit Card cardmember, you enjoy automatic IHG One Rewards Platinum Elite status as a benefit of your card.


Complimentary DashPass membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Benefits

Other

Enjoy an Anniversary Free Night, every year

Each year, after your card anniversary, you'll receive an Anniversary Free Night good for a night at one of our eligible IHG® Hotels & Resorts worldwide. You have the ability to add on points from your IHG One Rewards account to redeem your Anniversary Free Night above your redemption cap.


Redeem 3 Nights, Get 4th Night Free

The fourth reward night is free when you redeem points for any stay of four or more nights.


Additional Free Night after you spend $60,000 each calendar year

Earn an additional Free Night with a point redemption cap of 50,000 points after spending $60,000 on purchases with your card each calendar year.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$99

Purchase APR

19.24% - 27.74%

Variable

Transfer APR

19.24% - 27.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$15

Late Payment

None

For rates and fees of IHG One Rewards Premier Business Credit Card, please visit the Chase website.

Table of Contents

IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from Chase

See all 49 cards
Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Air Canada Aeroplan®Air Canada Aeroplan®

115,000 Points

Worth $1,610

After you spend $4,000 on purchases on your new card in your first 3 months of card membership.

  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights, Hotels
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details