BusinessTravelHotelDiningGasNo 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.

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Best for those with

Good Credit

About this card

Considering the individual ratings and reputation analysis, the IHG One Rewards Premier Business Credit Card receives an overall rating of 3.9. The card's strong rewards program, particularly for IHG stays, automatic Platinum Elite status, and valuable anniversary free night, significantly boost its value proposition. The positive reputation among users and financial publications further supports this rating. While the high APR is a notable drawback, the card's benefits can outweigh this for IHG loyalists who pay their balance in full each month. The moderate annual fee is justified by the ongoing perks. Overall, this card is a solid choice for business owners who frequently stay at IHG properties and can maximize its travel-related benefits.

3.9

Overall Rating

Pros & Cons

What's great

Generous sign-up bonus
High rewards rate
Automatic elite status
Anniversary free night
No foreign transaction fees

Things to consider

Annual fee
High regular APR
Requires good or excellent credit

What this card offers

Sign-up bonuses

Earn up to 200,000 Bonus Points
Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from accounts opening for a total of 200,000 Bonus Points.

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: 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.
Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
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% when you purchase points with your IHG One Rewards Premier Business Credit Card.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
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.
Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments.
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.

Ratings

4.5

4.4

4.1

1.5

3.7