IHG One Rewards Premier Business Credit Card from Chase is designed for business owners who travel frequently and stay primarily at IHG® Hotels & Resorts. It lets you earn premium rewards on expenses at IHG® Hotels & Resorts and receive automatic Platinum Elite status. It also offers a low annual fee, no foreign transaction fees, and anniversary bonuses.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
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BEST FOR:
Those who frequently stay at IHG® Hotels & Resorts
Intro APR
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- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Pros
- Offers premium rewards
- With lucrative welcome offer and anniversary bonuses
- Does not charge foreign transaction fees
Cons
- Has no 0% introductory APR
- Charges an annual fee
- Purchase protection: Ensures coverage for your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Trip cancellation/trip interruption insurance: Receive reimbursement of up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, in the event your trip is canceled or cut short due to sickness, severe weather, and other covered situations.
Intro APR
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Regular APR
reg_apr,reg_apr_type
Annual Fee
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Credit Needed
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- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Pros
- Offers premium rewards
- With lucrative welcome offer and anniversary bonuses
- Does not charge foreign transaction fees
Cons
- Has no 0% introductory APR
- Charges an annual fee
- Purchase protection: Ensures coverage for your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Trip cancellation/trip interruption insurance: Receive reimbursement of up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, in the event your trip is canceled or cut short due to sickness, severe weather, and other covered situations.
When evaluating travel rewards business credit cards like the IHG One Rewards Premier Business Credit Card, we first consider the ongoing rewards, introductory rewards, and additional card benefits. We also take into account the card’s annual fee, as well as the introductory and ongoing APRs.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 25 | 25 |
Additional Features | 15 | 25 |
Annual Fee | 12 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 75 | 100 |
Who the IHG One Rewards Premier Business Credit Card Is Best For
- Those who travel for business frequently: The card offers travel benefits such as no foreign transaction fees, Global Entry and TSA PreCheck® credit, and trip cancellation/interruption insurance. Plus, you can redeem points for miles with IHG’s partner airlines.
- Those who primarily stay at IHG® Hotels & Resorts: You can earn up to 26x points on purchases at IHG® Hotels & Resorts and redeem your rewards for hotel stays.
Check out our recommended alternatives below if this card isn’t what you’re looking for.
IHG One Rewards Premier Business Credit Card Rewards
- 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening
- Up to 26x points at IHG® Hotels & Resorts:
- 10x points with the IHG One Rewards Premier Business Credit Card
- Up to 10x points from IHG® for being an IHG® Rewards member
- Up to 6x points from IHG® with Platinum Elite Status, which you get as a cardmember automatically
- 5x points on travel, dining, social media, search engine advertising, office supplies, and gas
- 3x points per dollar spent on all other purchases
- $100 statement credit and 10,000 bonus points after spending $20,000 on purchases and making one additional purchase each calendar year
Platinum Elite Status
- Enjoy a free night’s stay at IHG hotels worldwide after each account anniversary year.
- Get your fourth night free when you redeem points for a four-night consecutive IHG® hotel stay.
- Save 20% after purchasing points with your IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card Calculator
Find out how much you can earn from the IHG One Rewards Premier Business Credit Card based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
Note that each IHG point is valued at 8 cents and that the calculator will assume that each cardholder gets the full 26x points on transactions made at IHG® Hotels & Resorts.
How To Redeem IHG One Rewards Premier Business Credit Card Rewards
You can use your points for a free night’s stay at any of its 6,000-plus destinations worldwide or for airline miles with IHG’s partner airlines. You can also shop the IHG’s online catalog of brand-name products and gift cards using points or redeeming for magazine subscriptions, e-books, games, music, and movies. You can also redeem your rewards for donations to any of IHG’s nonprofit partners.
IHG One Rewards Premier Business Credit Card Features
- Platinum Elite status: You can receive automatic Platinum Elite status with your IHG® Rewards Premier Business Credit Card. You’ll keep this status as long as you’re a Premier Business card member and your IHG® Rewards membership account remains in good standing.
- Purchase protection: Get insurance coverage on your new purchases for 120 days against damage or theft. Coverage is limited to a maximum of $10,000 per claim and $50,000 per account. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
- Trip cancellation/interruption insurance: If your trip gets 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 prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
- Global Entry, TSA PreCheck®, or NEXUS statement credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.
IHG One Rewards Premier Business Credit Card Fees
APRs
- Introductory: None
- Ongoing, balance transfer, and My Chase LoanSM: 21.49% to 28.49% variable, which adjusts with the prime rate
- Cash advance: 29.99% variable, which adjusts with the prime rate
- Penalty: Up to 29.99% variable, which adjusts with the prime rate; will be applied indefinitely if you fail to make a minimum payment by the due date or if your payment is returned
Specific Fees
- Annual: $99
- My Chase PlanSM (fixed finance charge): Monthly fee of 1.72% of either the amount of each eligible transaction or the amount selected to create a My Chase Plan
- Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: Either $15 or 5% of the amount of each transaction, whichever is greater
- Foreign transaction: None
- Late and returned payments: $40
- Return check: None
Your due date is at least 20 days after the close of each billing cycle.
- Online or Chase Mobile® app: Go to chase.com/paycard to make a payment online. You can also enroll in automatic payments through the website or mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
Alternatively, you can send your payment via overnight mail to the following address:
Chase Card Services
201 N. Walnut St.
Del-0153
Wilmington, DE 19801
- Western Union: Use the Code City WALNUT when paying via Western Union. It may take up to seven days for the payment to be reflected in your account.
- In-person: Go to the nearest Chase ATM or branch
IHG One Rewards Premier Business Credit Card Alternatives
Chase Ink Business Preferred®
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BEST FOR:
Maximizing travel rewards at a lower annual fee
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
When To Consider Chase Ink Business Preferred®
- You want a business credit card with a lucrative introductory bonus: It offers 100,000 bonus points after spending $8,000 on purchases within the first three months from account opening.
Other Benefits
- Lets you earn 3 points per $1 on the first $150,000 spent in combined purchases in four categories for each account anniversary year. The following categories are travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services
- Does not charge foreign transaction fees
- Offers 1:1 point transfer—meaning one Chase Ultimate Rewards point equals one partner mile/point
Its lucrative introductory bonus and high credit limit spending are our reasons for recommending it as our best business credit card for travel and our leading high-limit business credit card. For more options, you can check our list of the best Chase business credit cards.
Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
When To Consider Bank of America® Business Advantage Travel Rewards World Mastercard®
- You plan to make large purchases: It offers a 0% introductory period on purchases for the first nine billing cycles.
Other Benefits
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening
- Allows you to earn unlimited 1.5x points for every dollar spent on all purchases, with no limit on how many points you can earn
- Charges $0 annual and foreign transaction fees
This card is included in our roundups of the best business credit cards for travel and the best small business credit cards. Check our list of the best Bank of America business credit cards for more options from the issuing bank.
Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
When To Consider Hilton Honors American Express Business Card
- You primarily stay at Hilton hotels & resorts: It lets you earn 12x points per dollar spent on purchases made at any Hilton hotel & resort.
Other Benefits
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn up to 12x points per dollar spent on selected spending categories
- Offers 10 complimentary visits to more than 1,200 airport lounges every year through the Priority Pass™ Select Membership
This card is one of our top recommended business credit cards for travel and one of our preferred business credit cards with airport lounges due to its luxury travel perks. You may check our review of the best American Express business credit cards for more options from the issuing bank.
Frequently Asked Questions (FAQs)
As members of this Program, you may be eligible for specific services and benefits offered by IHG hotels. These benefits and services will change from time to time and can vary by hotel, country, and geographical region. The following are the benefits that each elite status can receive, depending on the points, exclusive access, and hotel perks:
Per IHG, a “night” means staying at least one night at any of the IHG hotels and resorts. A “stay” may consist of a number of consecutive nights at the same hotel, regardless of the number of check-in/check-out.
Make sure that you book your hotel stays through IHG’s website, the IHG One Rewards App, the IHG WeChat mini program, IHG Customer Care, or directly to any IHG branded hotel. Also, make sure that you include your IHG One Rewards member number when making the hotel reservation.
Bottom Line
If you prefer to stay at IHG® Hotels & Resorts when traveling, the IHG One Rewards Premier Business Credit Card from Chase can help you make the most out of your business expenses through lucrative rewards. It provides a variety of redemption options, so you can use your points depending on what your business needs. Note that there are other business credit cards for hotels you frequently stay at and those that provide an interest-free financing period.
