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.
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.
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.
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.
Trip Cancellation 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% when you purchase points with your IHG One Rewards Premier Business Credit Card.
Free Night Certificate
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
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Upgraded Statuses
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
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
Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Anniversary Bonus
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.
Why We Like it
If you travel for business and love a good deal, the Chase IHG One Rewards Premier Business card is a game-changer. Here’s why:
- 20% Off Points: Save when you buy reward points.
- Travel Protection: Up to $6,000 Trip Cancellation/Interruption Insurance.
- Purchase Protection: 120 days, up to $10,000 per claim.
- Free Nights: Redeem 3 nights, get the 4th night free.
- Expedited Security: $100 credit for Global Entry, TSA PreCheck®, or NEXUS.
- Platinum Elite Status: Instant IHG One Rewards Platinum Elite.
- Annual Bonuses: $100 statement credit and 10,000 points after $20,000 spend.
- Free Night Annually: Celebrate with a free night worth up to 40,000 points.
Business travel just got sweeter!
Considerations
The Chase IHG One Rewards Premier Business card offers excellent benefits for frequent travelers and businesses, but there are some downsides:
- $99 Annual Fee: May not suit all businesses.
- 3% Foreign Transaction Fee: Applies to purchases outside the U.S.
- Limited Transfer Partners: Points transfer primarily to IHG and a few others.
- High APR: Ongoing APR can be steep for carried balances.
- Limited Bonus Categories: May not cover all business expenses.
- Redemption Restrictions: IHG points may not always offer the best value.
- No Intro APR: Lacks an introductory APR for purchases or balance transfers.