Credit Card Reviews

IHG One Rewards Premier Business Credit Card

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IHG Premier Business Credit Card from Chase

The IHG One Rewards Business Premier credit card is a credit card option for business owners who stay at IHG Hotels and Resorts often. This credit card offers a variety of benefits and rewards, making it a possible choice for those looking to earn points and save money on their travels. This article will take a closer look at the benefits IHG Premier credit card has to offer and how to maximize your points earned on purchases.

IHG Premier

The IHG One Rewards Premier Business credit card is designed to help travelers earn points and rewards for their stays at over 6,000 participating IHG hotels worldwide. Currently, the IHG One Rewards Premier Business credit card offers a generous 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening. This is equal to 4 free nights. Additional benefits include:

  • 10 points per $1 spent at all IHG Hotels and Resorts.
  • 5 points per dollar $1 on travel and hotels.
  • 5 points per $1 spent at gas stations.
  • 5 points per $1 spent at restaurants including delivery and takeout.
  • 5 points per $1 spent on social media, search engine advertising, and office supply stores.
  • 3 points per $1 spent on all other purchases.
  • Earn a free night each account anniversary year.
  • If you redeem 3 free consecutive nights, you will receive a fourth free redeemable night at the same hotel during your stay.
  • $99 annual fee.
  • Points will never expire since Premier cardholders are enrolled in the Platinum Elite status.

Upgraded to Platinum Elite status

The IHG One Rewards Premier Business credit card automatically grants you Platinum Elite status. This is an attractive feature and will greatly improve points earned on stays. Benefits of the Platinum Elite status are:

  • Complimentary room upgrades when available.
  • Earn 60% bonus points
  • Welcome amenity when checking in (points or snack/drink).
  • Reward night discounts.
  • Early check in option, when available.
  • Guaranteed room availability with 72 hours noice.

Ability to upgrade to Diamond Elite Status

As the primary cardmember, you can enjoy Diamond Elite Status for the following year if your purchases reach $40,000 or more in a calendar year. This status will be valid until December 31st of the following year. By achieving this elite status level, your benefits include:

  • 100% bonus points on purchases
  • Welcome amenity at check in (Free breakfast for two, points or drink/snack).
  • Dedicated Diamond support line for bookings and hotel needs.
United Airlines
Card members will receive $50 in

Travel Benefits

IHG One Rewards Premier Business credit card also offers additional benefits that make it worth considering for anyone who travels frequently, both domestically and internationally. Travel benefits include:

  • Trip cancellation/interruption insurance: If your trip is cancelled or cut short due to sickness or severe weather, you can be eligible for reimbursement of up to $5,000 per person and $10,000 per trip for your prepaid, non-refundable travel expenses including passenger fares, tours and hotel stays.
  • Receive $100 every four years in statement credits for the application for Global Entry, TSA PreCheck or Nexus.
  • Each calendar year, the primary cardholder will get $25 added to their United MileagePlus account around January 5th and another $25 around July 5th. To get these deposits, cardholders need to register just once through their IHG One Rewards account at
  • Purchase protection: up to 120 days you are covered against damage or theft on new purchases up to $500 per claim and $50,000 per account.

Additional Benefits

As a premier credit card member, you have the opportunity to earn $100 in statement credits and an additional 10,000 bonus points each calendar year. This can be earned by meeting a spending threshold of $20,000 in a calendar year. Additionally, cardholders will save 20% on points purchased with your premier credit card, although it’s usually a bad deal to purchase points unless you’re just topping off your account for a particular reward.


The IHG One Rewards Premier Business credit card offers benefits for travelers and loyal customers of the IHG brand. With its generous welcome offer and automatic elite status upgrade, cardholders are given the ability to earn additional points on purchases and earn various perks along the way. Not only does it offer an appealing value for money, but it also provides convenience and flexibility for those who frequently stay at IHG properties.

Editorial Note: Information and opinions articulated in this article are solely those of the author’s, not those of a credit card company, bank, airline or hotel chain. This article has not been reviewed or approved by or otherwise endorsed by any of these companies or organizations.

Travis is a Senior Editor at Miles Junkie. An avid outdoorsman, you'll see him shredding the slopes of Colorado in the winter and cutting rounds to heat his home in the national forests during the summer. He lives with his wife and three dogs in southwest Colorado.

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