Chase
IHG One Rewards Premier Business Credit Card
Key Features
| Annual Fee | $99.00 |
| Sign-up Bonus | Up to 150,000 bonus points. |
| Rewards Rate | Up to 26x total points. |
| Regular APR | 19.24%–27.74% variable APR. |
About this card
The IHG One Rewards Premier Business Credit Card earns an overall rating of 4.1, placing it firmly in the 'Excellent' category. This card is exceptionally strong for its precise target audience: business owners who frequently stay at IHG Hotels & Resorts and consistently pay their credit card balance in full. Its strengths are truly outstanding within this niche, particularly evident in its Rewards Rating (4.8/5.0). The card offers industry-leading earning rates of up to 26X points on IHG stays, a generous sign-up bonus, and highly valuable ongoing benefits such as an Anniversary Free Night (up to 40,000 points), automatic Platinum Elite status, and a 'Redeem 3 Nights, Get 4th Night Free' perk. These benefits alone can easily justify and outweigh the card's moderate $99 annual fee, contributing to its excellent Fees Rating (4.3/5.0) which also benefits from no foreign transaction fees. The card's reputation is also very strong, supported by positive reviews from financial publications and users who recognize its specialized value for IHG loyalists. However, the card has one significant drawback: a very high regular APR (1.5/5.0) ranging from 19.24% to 27.74%, with no introductory APR period. This makes carrying a balance on this card extremely expensive and severely diminishes its value for cardholders who cannot pay their statement in full each month. For the financially disciplined business traveler who maximizes IHG benefits and avoids interest charges, the unparalleled rewards and perks within the IHG ecosystem make this an excellent, top-tier co-branded business travel credit card. The rating reflects its exceptional value for its intended, responsible user, despite the notable APR weakness.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on hotel stays and common business categories
- No foreign transaction fees
- Automatic elite status
- Valuable travel benefits and perks
Things to consider
- Annual fee
- No intro APR period
- High regular APR
- Rewards primarily tied to one hotel brand
What this card offers
Sign-up bonuses
- Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
- Plus, earn 10,000 bonus points after you add an employee card to your account in the first 3 months from account opening.
Rewards
- Up to 26X total points per $1 spent when you stay at IHG® Hotels and Resorts.
- 10X points with this card
- Plus up to 10X points from IHG® on stays for being an IHG One Rewards member
- Plus up to 6X points from IHG® on stays with Platinum Elite Status, a benefit of this card
- Earn 5X points on travel, dining, select business purchases, and at gas stations.
- Earn 3X points per $1 spent on all other purchases.
Other features
- Anniversary Free Night Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
- Redeem 3 Nights, Get 4th Night Free Enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.
- Plus, earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
- IHG One Rewards Program Exclusives
- Travel & purchase coverage
- No foreign transaction fees
- Travel benefits
- Chase Pay Over Time®
- Partner Benefits