IHG One Rewards Premier Business Credit Card
Basic Information
Program ID: ihg-one-rewards-premier-business
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premier
Data Complete: Yes
Created: 01/15/2026 16:35
Last Scraped: 01/15/2026 16:37
Fee Structure
| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $99.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $175,000.00
Spending Requirement: $8,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: IHG One Rewards Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x IHG Hotels & Resorts, 3x Gas Stations, 3x Dining, 3x Social Media & Search Engine Advertising, 3x Office Supply Stores
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire for cardholders as long as Platinum Elite status is maintained (a benefit of the card).
Transfer Partners: None (meaningful direct transfers to major airline or hotel partners)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
- Hotel Status: IHG One Rewards Platinum Elite
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the IHG One Rewards Premier Business card welcome bonus in 2026 is expected to follow established Chase rules. Key requirements include: 1. **Chase 5/24 Rule**: Applicants must not have opened 5 or more personal or business credit card accounts (from any issuer) in the past 24 months. Chase business cards count towards this limit. 2. **One Bonus Per Product**: You are not eligible for the welcome bonus if you currently hold the IHG One Rewards Premier Business card or have received a new cardmember bonus for this specific card product in the past 24 months. 3. **Business Requirement**: Applicants must operate a legitimate business (including sole proprietorships) and have verifiable business expenses. 4. **Chase 2/30 Rule (Business Cards)**: Generally, Chase will not approve an applicant for more than two business credit cards within a 30-day period. 5. **Total Credit Exposure**: Chase assesses an applicant's total credit limit across all their Chase cards. If an applicant is deemed to be near Chase's internal maximum credit exposure, new applications may be denied or require reallocating credit from existing Chase cards. 6. **Creditworthiness**: Strong personal and business credit history is required.
Maximum Cards Per Issuer: 99
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Chase cards, rapid application velocity (too many cards in a short period), suspicious spending patterns, frequent balance transfers without genuine spending, bouncing payments, opening multiple business cards without sufficient business activity, or closing cards shortly after receiving a bonus.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent for IHG loyalists, offering valuable elite status, a free night certificate, and high earning rates on IHG stays and common business expenses like gas and dining.
Top Negative Feedback:
The annual fee can be a drawback for infrequent travelers, and rewards are primarily tied to the IHG ecosystem, limiting flexibility compared to general travel cards.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Ink Business Preferred
- Marriott Bonvoy Business American Express Card
- Chase Ink Business Unlimited
Card Value Score: 85.0 / 100
Est. Annual Rewards: $1,800.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 25% IHG / 75% General Business
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0