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IHG One Rewards Premier Business vs IHG One Rewards Premier
Both are well-respected travel cards. The IHG One Rewards Premier Business comes from Chase at $99/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the IHG One Rewards Premier Business's. Get the IHG One Rewards Premier first; revisit the IHG One Rewards Premier Business after you've earned that bonus.
| Feature | IHG One Rewards Premier Business | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $99 | $99 |
| Sign-up bonus | 140,000 Bonus Points | 185,000 bonus points |
| Bonus value (est.) | - | $925 |
| Min spend to unlock bonus | $4,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | hotel |
| Best earning category (Travel) | 5x | 5x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
IHG One Rewards Premier Business
$99/yr · 140,000 Bonus Points
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier Business or IHG One Rewards Premier?
- The IHG One Rewards Premier has a public bonus (185,000 bonus points, worth roughly $925), while the IHG One Rewards Premier Business doesn't advertise one right now.
- Is the IHG One Rewards Premier Business's $99 annual fee worth it compared to the IHG One Rewards Premier?
- At $99/yr, the IHG One Rewards Premier Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Premier's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier Business and IHG One Rewards Premier?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the IHG One Rewards Premier Business or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier Business: $4,000 spend in 3 months. IHG One Rewards Premier: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.