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  1. Credit Cards
  2. IHG One Rewards Premier Business Credit Card
Chase

IHG One Rewards Premier Business Credit Card

Built for businesses that regularly stay at Holiday Inn, Kimpton, InterContinental, and other IHG brands, this card is strongest as an IHG loyalty card rather than a general business travel card. It works best for owners who can use the annual free night, value elite status, and want to stretch IHG points on hotel stays.

Welcome Offer
Limited Time Offer: Earn 140,000 Bonus Points
Annual Fee
$99
Rec. Credit Score
Good
Good For
IHG business travelers
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...

IHG hotel stays

Annual free night value

Four-night award trips

Yes, if your business already spends meaningful time at IHG hotels. The $99 annual fee is reasonable for a hotel card that includes automatic Platinum Elite status, an anniversary free night, a fourth night free on award stays, and a small United TravelBank credit. For a cardholder who uses even one or two of those benefits well, the ongoing value can comfortably outweigh the fee.

It is less compelling if you are not loyal to IHG or you want one business card to cover all of your travel spending. The non-IHG bonus categories are decent but not hard to beat, and many of the biggest upside pieces depend on redeeming IHG points or staying within the IHG ecosystem. This is a strong keeper card for an IHG-focused business, but a narrower fit for everyone else.

MaxRewards

MaxRewards Verdict

The IHG One Rewards Premier Business Credit Card makes the most sense for businesses that regularly book IHG stays and will actually use the free night and award-stay perks. If IHG is only an occasional hotel option for you, the card's value drops off quickly.

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

$700

Required Spend

$4,000

Time Frame

3 Months

Est. Value

$700

Required Spend

$4,000

Time Frame

3 Months

Earning

Rewards

This card earns IHG points, so the rewards story matters most if you plan to use those points for IHG hotel nights. The standout earning is on IHG stays, while the other bonus categories add some everyday business value without turning this into a top all-purpose spending card.

CategoryRate

IHG Hotel Stays

13%

Travel, Gas Stations, Select Advertising, Restaurants

2.5%

All Other Purchases

1.5%

Rewards percent based on a valuation of 0.5¢ per IHG point

Annual Credits & Perks

Benefits

The practical value here comes from recurring travel benefits, especially the anniversary free night, automatic elite status, and the fourth-night-free perk on award bookings. If those fit how your business travels, the annual fee is fairly easy to justify.

BenefitAnnual value
$100
$50
$40
$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

Each calendar year you make purchases totaling $40,000 or more, you, as the primary cardmember, will qualify for Diamond Elite Status through December 31st of the following year.


Platinum Elite Status 

As an IHG One Rewards Premier Business Credit Cardmember, you’ve automatically earned IHG One Rewards Platinum Elite status with additional benefits.

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 can now add points from your IHG One Rewards account to redeem your Anniversary Free Night at hotels above the 40,000-point redemption level.


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

After you spend $60,000 on purchases and make one additional purchase each calendar year, you will earn a Free Night with a current point redemption level of 40,000 points or less to use at IHG® Hotels & Resorts with the ability to add points from your IHG One Rewards account to redeem your Free Night at hotels above the 40,000 point level.

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.

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Worth $2,500

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Annual Fee

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Rec. Credit

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