IHG One Rewards Premier Business
Annual fee
$99
Welcome bonus
140,000 IHG One Rewards points
Foreign txn fee
0%
(Direct link to issuer does not currently earn a commission on this card.)
Good to know before you apply
- The 140,000-point welcome bonus after $4,000 in 3 months is the headline - Chase frames it as "up to 4 nights at 4,700+ properties," which is genuinely useful context, but how far those points stretch depends entirely on which IHG properties you're actually booking, so map out your redemption target before you apply and not after the points land.
- The anniversary free night is capped at 40,000 points, which covers a solid range of IHG properties but not the top-tier luxury options - the good news is you can top it up with your own points to book above the cap, so it's a floor, not a ceiling, and at $99/year the card basically justifies itself on this perk alone.
- The 4th Night Free on award stays is one of the quietly powerful benefits on any hotel co-brand at this price point - book four or more nights with points and the fourth night is free, which is effectively a 25% discount on every qualifying redemption if you travel in longer blocks.
- The $100 statement credit and 10,000 bonus points at $20,000 spend, Diamond Elite status at $40,000, and a bonus free night at $60,000 are a real rewards ladder for real spending volume - if your natural business spend doesn't live anywhere near those numbers, these tiers are more decorative than functional, and the base card still earns its keep on the anniversary night alone.
- The Global Entry / TSA PreCheck / NEXUS credit is up to $120 every four years, not annually - it's still free money when the cycle comes around, but if you're coming off a card that reimbursed this annually, the cadence here is different and worth knowing before you cancel anything.
- NO foreign transaction fees - this card is built to travel, and a $99 hotel co-brand that waives FX fees at least gets the basics right.
- Business spend unlocks a three-rung ladder each calendar year: a $100 statement credit + 10,000 points at $20K, IHG Diamond Elite status at $40K, and a second free Reward Night at $60K - worth mapping if your spend runs high.
The IHG One Rewards Premier Business card is the ultimate IHG loyalist's workhorse — stack an anniversary free night, a 4th-night-free perk, and the ability to earn Diamond Elite status at $40K spend, all for a modest $99 annual fee with no foreign transaction fees. Power users who hit $60K in spend even unlock a bonus free night, making this card a compelling play for road warriors who bleed IHG.
Welcome bonus
What you get for signing up and hitting the minimum spend.
140,000 IHG One Rewards points · $4,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
140,000 IHG One Rewards points · $4,000 spend in 3mo
140,000 IHG One Rewards points after spending $4,000 in the first 3 months.
That's up to 4 nights at 4,700+ out of all IHG Hotels & Resorts' Properties globally.
🤝 Refer a friend: Earn 10,000 IHG One Rewards points for each friend approved for any Chase card — up to 50,000 per year.
Earn rates
How many points per dollar across categories.
6 categories · top rate 10x
See the multipliers →
Earn rates
How many points per dollar across categories.
6 categories · top rate 10x
Card-level multipliers. Earn currency: IHG One Rewards.
| Category | Rate | Notes |
|---|---|---|
| Ihg | 10x | 10x points per dollar on the IHG One Rewards Premier Business Card itself at IHG hotels. IHG One Rewards members earn an additional 10x base + up to 6x Platinum Elite Status bonus on stays — combined up to 26x total at IHG properties. |
| Travel | 5x | 5x points on travel purchases. |
| Dining | 5x | 5x points on dining purchases. |
| Gas | 5x | 5x points at gas stations. |
| Business Purchases | 5x | 5x points on select business purchases. |
| All other purchases | 3x | 3x points per dollar on all other purchases. |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Chase Experiences
Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
IHG One Rewards Experiences
IHG's auction and fixed-price experiences platform. Open to all IHG One Rewards members.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Free nights
Annual free night certificates and similar.
1 benefit
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Free nights
Annual free night certificates and similar.
1 benefit
Anniversary Free Night
Earned each account anniversary year with a redemption value cap of 40,000 points. You can also use existing IHG One Rewards points to redeem at hotels above the 40,000 point level.
Status accelerators
Perks that unlock at spending milestones.
3 benefits
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Status accelerators
Perks that unlock at spending milestones.
3 benefits
$100 Statement Credit + 10,000 Bonus Points at $20K Spend
Receive a $100 statement credit and 10,000 bonus IHG One Rewards points each calendar year in which you spend at least $20,000.
Unlocks at $20,000 spend
IHG Diamond Elite Status at $40K Spend
Each calendar year you make purchases totaling $40,000 or more, the primary cardmember qualifies for IHG Diamond Elite status through December 31st of the following year.
Unlocks at $40,000 spend
Additional Free Night at $60K Spend
Earn an additional free Reward Night after spending $60,000 on purchases each calendar year.
Unlocks at $60,000 spend
Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
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Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
Global Entry / TSA PreCheck / NEXUS Statement Credit
Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck, or NEXUS when charged to your card.
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
2 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
2 benefits
Trip Cancellation and Interruption Insurance
Reimbursed up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by sickness, severe weather, or other covered situations.
Auto Rental Coverage (Primary for Business)
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes; covers theft and collision damage up to $60,000 for most rental vehicles with an MSRP of $125,000 or less.
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
2 benefits
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
2 benefits
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item.
Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
Other
Other perks on this card.
5 benefits
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Other
Other perks on this card.
5 benefits
4th Night Free on Award Stays
When redeeming points for a stay of four or more nights, the fourth Reward Night is free.
Save at Least 20% on Points Purchases
Enjoy at least a 20% discount when you purchase IHG One Rewards points with your card.
Travel and Emergency Assistance
Provides legal and medical referrals and access to other travel and emergency assistance services when traveling away from home. Cardholder is responsible for cost of goods or services obtained.
No Foreign Transaction Fees
No foreign transaction fees on purchases made abroad.
Chase Pay Over Time (Installment Plan)
Eligible purchases can be paid over time with no interest, just a fixed monthly fee of up to 1.72% of the amount selected. Promotional offers with lower fees may be available.