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IHG One Rewards Premier Business Credit Card Review: Is It Worth It?
February 6, 2025
If you're a business owner who frequently stays at IHG properties, the IHG One Rewards Premier Business Credit Card might be worth considering. This comprehensive review will help you determine if this hotel business credit card aligns with your travel and spending needs.
What Is the IHG One Rewards Premier Business Credit Card?
The IHG One Rewards Premier Business Credit Card is Chase's business hotel credit card designed for frequent IHG travelers. Currently, new cardmembers can earn up to 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening. The card comes with an annual fee of $99 and provides automatic Platinum Elite status with IHG One Rewards.
IHG One Rewards Premier Business Credit Card Pros & Cons
Pros:
- Generous welcome bonus of 140,000 points
- Automatic Platinum Elite status
- Anniversary free night certificate (worth up to 40,000 points)
- Fourth reward night free on point redemptions
- Global Entry, NEXUS, or TSA PreCheck® statement credit up to $120
- No foreign transaction fees
- Early access to reward night sales
- Free Wi-Fi and late check-out at IHG properties
Cons:
- $99 annual fee
- Limited redemption options outside of IHG stays
- Points may have lower value compared to other hotel programs
- Some benefits require significant spending
Who Is the IHG One Rewards Premier Business Credit Card For?
This card is ideal for:
- Business owners who frequently stay at IHG properties
- Entrepreneurs seeking automatic hotel elite status
- Those who can maximize the fourth reward night free benefit
- Companies with significant international travel expenses
- Business travelers who value IHG One Rewards membership perks
Comparing the IHG One Rewards Premier Business Card with Other Credit Cards
When considering the IHG One Rewards Premier Business Card, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business:
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more, up to $2 million per calendar year
- Standout feature: Access to over 1,400 airport lounges worldwide, access is limited to eligible Card Members
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- IHG One Rewards Premier Business Card excels in providing perks for business owners at IHG properties
- Capital One Venture X Business offers high travel rewards
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
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Consider Using Kudos
To maximize your rewards even further, consider using Kudos, a free AI-powered browser extension. Kudos can help you:
- Identify the best credit card to use for each purchase
- Stack rewards with other loyalty programs
- Track point accumulation across different cards
- Get notifications about Flash Boost events
Currently, Kudos is offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The IHG One Rewards Premier Business Credit Card provides substantial value for business owners who frequently stay at IHG properties. With benefits like the anniversary free night, fourth reward night free, and automatic Platinum Elite status, the $99 annual fee can be easily justified. The current welcome bonus of 140,000 points makes it an particularly attractive time to apply.
IHG One Rewards Premier Business Credit Card FAQ
How do I earn the 140,000 bonus points offer?
Spend $3,000 on purchases within the first three months of account opening.
What are the IHG One Rewards membership terms and conditions?
Standard program terms apply, including points expiration after 12 months of inactivity and specific point redemption caps.
How does the fourth reward night free benefit work?
When you redeem points for a stay of four nights or more, you'll automatically get the fourth night free.
Can I refer friends and business owners to earn bonus points?
Yes, you can earn 10,000 bonus points for each approved referral, up to 100,000 points per year.
What purchase protection benefits are included?
The card includes trip cancellation/interruption insurance, extended warranty protection, and purchase protection against damage or theft.
How can I use the $100 statement credit for Global Entry?
The credit automatically applies when you charge the application fee for Global Entry, NEXUS, or TSA PreCheck® to your card.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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