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IHG One Rewards Premier Business
Score Needed: Good to Excellent
IHG One Rewards Premier Business
At a glance
Welcome Offer

Earn 140,000 bonus points after spending $4,000 in the first 3 months from account opening. That's up to 4 nights at 5,100+ out of all IHG Hotels & Resorts' properties globally.

Limited Time Offer
New Offer
All time high
Rewards
No items found.
3X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
21.49% - 28.49% Variable
Annual Fee
$99
IHG One Rewards Premier Business

The Chase IHG One Rewards Premier Business card elevates business travel with unbeatable perks. Enjoy 20% off points, up to $6,000 in trip protection, and purchase protection for peace of mind. Benefit from free nights, expedited airport security, and Platinum Elite status for ultimate convenience. Earn up to 26X points at IHG hotels and enjoy annual bonuses, including a free night stay. Perfect for savvy business travelers.

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Global Entry and TSA Pre-check

Purchase Protection

Trip Cancellation Insurance

Upgraded Statuses

Extra Redemption Value

Free Night Certificate

Trip Cancellation Insurance

Trip Cancellation/Trip 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.

Extra Redemption Value

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Premier Business Credit Card.

Free Night Certificate

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.

Purchase Protection

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Upgraded Statuses

IHG One Rewards 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.

Global Entry and TSA Pre-check

Global Entry, TSA PreCheck® or NEXUS Statement Credit

Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.

Anniversary Bonus

Annual Bnous Spend

Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.

Anniversary Bonus

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.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your IHG One Rewards to any of the following Chase Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Upgrade Your Wallet!
IHG One Rewards Premier Business Click learn more to see if you qualify

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?
No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.
What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?
You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.
I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?
For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.