IHG One Rewards Premier Business
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Earning Rates
Earning rates
4- 26xlodging
Up to 26X total IHG One Rewards points per $1 spent at IHG Hotels and Resorts worldwide: 10X base earned from this card on IHG stays, plus 10X earned directly from IHG for being a One Rewards member, plus up to 6X bonus from IHG for holding Platinum Elite status (the 6X is the Platinum Elite 60% bonus applied to the 10-point member base; on lower-earning IHG brands such as Candlewood Suites, Staybridge Suites, IHG Army Hotels, and certain Vignette and IHG Residences properties the IHG base earn is lower so the proportionate Platinum bonus is smaller and total earn is below 26X)
- 5xdining
Earn 5X total points per $1 spent on travel (excluding IHG stays which earn at the higher 10X/26X tier), gas stations, dining at restaurants including takeout and eligible delivery services, social media and search engine advertising, and office supply stores (the 5X category list is explicitly published on the Chase product page and is broader than the 5X categories on the consumer IHG Premier card, which omit social/search advertising and office supply)
- 3xeverything else
Earn 3X points per $1 spent on all other business purchases (there are no published caps on the 26X / 5X / 3X tiers; all earn is uncapped)
- 26x
Free additional employee cards (no per-card fee for adding employees to the account), with all employee spend earning the same 26X/5X/3X point structure on the primary account and counting toward the $20,000 annual spend threshold; the primary cardmember can set custom employee spend limits inside Chase for Business online banking
Statement credits
4- $100Annual Spend Bonus Statement CreditYearly
$100 statement credit each calendar year after $20,000 in purchases (also includes 10,000 bonus points)
- $30Global Entry/TSA PreCheck/NEXUS Application Fee CreditYearly
Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee ($30/yr amortized)
- $120Global Entry, TSA PreCheck, or NEXUS statement credit
Global Entry, TSA PreCheck, or NEXUS statement credit: one 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 the card by the cardmember or an authorized user (only the first program application fee in a 4-year window is reimbursed; the Premier Business product page now matches the consumer IHG Premier card at $120, up from the legacy $100 disclosure)
- $100Pay Yourself Back / My Chase Plan
Pay Yourself Back / My Chase Plan: eligible business purchases of $100 or more can be split into fixed monthly payments with a fixed monthly fee and no interest, giving the business an installment option without opening a new credit product
Perks & memberships
6- Elite statusAutomatic IHG One Rewards Platinum Elite Status for as long as the Premier Business card account is open and the IHG One Rewards membership is in good standing (Platinum is the third-from-top of IHG One Rewards' five published elite tiers and confers a 60% point bonus on stays, complimentary room upgrades when available, priority check-in, and IHG One Rewards complimentary internet); status posts 6 to 8 weeks after account opening per Chase's published cardmember-agreement language
- Free nightAnniversary Free Night Reward each account anniversary year, valid at IHG Hotels with a point redemption value of 40,000 points or less and covering one standard room night plus tax only; cardmembers may top off using existing points from their IHG One Rewards account to redeem the Anniversary Night at hotels above the 40,000-point redemption level, effectively making the certificate usable at any IHG property worldwide after a points top-off (the Chase page does not cap the top-off; community references and One Mile at a Time guides document top-offs as high as 60K added points being routinely successful, supporting the user-spec '40K + up to 60K top-up' framing)
- Award discountRedeem 3 Nights, Get the 4th Night Free on Reward Night stays: for each standard-room Reward Night stay of 4 or more consecutive nights at the same property within the same point redemption, the 4th night is awarded at 0 points (effectively a 25% discount on long award stays); the 4th Reward Night Free benefit can be used on an unlimited number of qualifying redemption stays per year
- No foreign feesNo foreign transaction fees on purchases made outside the United States; Chase's own example on the product page notes that on $5,000 of international purchases you avoid $150 in FX fees compared with a 3% card
- Elite statusMid-tier hotel cobrand competitive positioning: at $99 annual fee, IHG One Rewards Premier Business is the lowest-priced U.S. business hotel cobrand that grants both automatic mid-tier elite status and an annually renewing Free Night certificate usable at IHG's highest-priced brands after a points top-off (cross-referenced in card reviews on The Points Guy, One Mile at a Time, and Frequent Miler), making the Anniversary Night alone routinely worth multiples of the $99 fee in real-world rebookings
- Free nightAnniversary Free Night and 4th Reward Night Free are stackable in the same trip: a single 4-night stay can use the Anniversary Free Night certificate for one night (typically night 1 or night 4) and pay points for the other three nights with the 4th-Reward-Night-Free benefit applied separately on the points side, materially lowering the per-night IHG award cost
Travel & purchase protections
3- Primary Auto Rental Collision Damage Waiver coverage on business rentals: as a Visa Business credit card, the IHG One Rewards Premier Business carries the Visa Business benefit of primary rental car CDW when the rental is reserved and paid in full with the card and is rented for business purposes - coverage applies to theft and collision damage for most rental cars in the U.S. and abroad without first requiring filing on the renter's personal auto policy (the rental-CDW benefit is governed by the Visa Business Guide to Benefits / Chase IHG One Rewards Premier Business Cardmember Agreement, since the Chase product page benefits panel does not enumerate the CDW benefit on-page)
- Trip Cancellation and Interruption Insurance: reimbursement for pre-paid, non-refundable common carrier fares when a covered trip is canceled or cut short due to a covered reason such as covered illness, severe weather, or jury duty, when the trip is charged to the card (per the Chase IHG Premier Business benefits panel and Guide to Benefits)
- Purchase Protection: covers new eligible purchases for a limited period from the date of purchase against damage or theft up to $10,000 per item, with per-account aggregate caps disclosed in the Guide to Benefits
More benefits & fine print (1)ShowHide
- Discounted points purchases when buying IHG One Rewards points and paying for them with the Premier Business card (per Chase's published terms; the percent discount is set by IHG and the cap on annual points purchases is governed by IHG One Rewards, not Chase)
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How to Earn the Bonus
Spend $4,000 in the first 3 months to earn the 140,000 Bonus Points bonus.
See the Current Offer
Earn 140,000 Bonus Points
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