IHG One Rewards Premier Business Credit Card

Chase Visa Premier Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ihg-one-rewards-premier-business

Issuer: Chase

Card Name: IHG One Rewards Premier Business Credit Card

Card Type: Credit

Network: Visa

Card Tier: Premier

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:35

Last Scraped: Jan 15, 2026 16:37

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: IHG One Rewards Points

Base Rate: 2x

Bonus Rate: 5x

Categories: 5x IHG Hotels & Resorts, 3x Gas Stations, 3x Dining, 3x Social Media & Search Engine Advertising, 3x Office Supply Stores

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire for cardholders as long as Platinum Elite status is maintained (a benefit of the card).

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None (meaningful direct transfers to major airline or hotel partners)

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $100

Hotel Status: IHG One Rewards Platinum Elite

Sign-Up Bonus
PENDING

175,000

Points/Miles

Requirement: Spend $8,000 in 180 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours

Fee Structure
PENDING
Annual Fee: $99.00
Year 1 Waived: No
Effective Annual Fee: $99.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
690 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 99

Min 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.

Cliff Effect Rules: The primary 'cliff effect' for this card is the 'one bonus per 24 months' rule specific to the IHG One Rewards Premier Business card product. Unlike some Chase personal card families (e.g., Sapphire), holding a personal IHG card (e.g., IHG One Rewards Premier) does not typically preclude eligibility for the business card's welcome bonus, provided all other rules (like 5/24) are met. However, Chase may consider overall credit exposure across all IHG-branded cards.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0