Chase
IHG One Rewards Premier Business Credit Card
BusinessHotelTravelDiningGasNo Foreign Transaction Fees
Key Features
| Annual Fee | $99.00 |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Network | Mastercard |
Read the full review
Best for those with
Good Credit
About this card
The IHG One Rewards Premier Business Credit Card is a decent option for business owners who are loyal to the IHG brand, but it has some drawbacks. The rewards program is strong, especially for IHG stays, and the sign-up bonus is generous. The annual free night and elite status provide ongoing value. However, the high APR is a significant downside, especially for a business card, and the $99 annual fee should be carefully considered. Without a reputation rating, it's difficult to give a fully informed assessment, but based on the available information, a 3.3 seems appropriate. The card is best suited for those who can maximize the IHG rewards and pay their balance in full each month.
3.3
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Anniversary free night
- Automatic elite status
- No foreign transaction fees
- Statement credit for Global Entry or TSA PreCheck
Things to consider
- Annual fee
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 140,000 Bonus Points after spending $4,000 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.
- That's 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.
- Global Entry, TSA PreCheck or NEXUS Statement Credit Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
- Platinum Elite Status As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier Business cardmember, and as long as your IHG One Rewards membership remains in good standing.
- Save 20% on reward points purchases Save 20% when you purchase points with your IHG One Rewards Premier Business Credit Card.
- 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.
- Trip Cancellation and Interruption Insurance If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
- No foreign transaction fees You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Chase Pay Over Time Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Earn up to 50K bonus points per year You can earn 10,000 bonus points for each friend or business owner who gets approved for an IHG One Rewards Credit Card.
Ratings
3.8
4.1
4.2
1.5
3.8