Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

IHG® One Rewards Premier Business Credit Card by Chase Review

Learn More

IHG® One Rewards Premier Business Credit Card by Chase Review

Experience unparalleled travel perks and boost your rewards! Apply now and unlock a world of benefits, including a 140,000-point welcome bonus, automatic Platinum Elite status, and annual free nights.

IHG® One Rewards Premier Business Credit Card by Chase Review

IHG® One Rewards Premier Business Credit Card by Chase Review

Learn More

Experience unparalleled travel perks and boost your rewards! Apply now and unlock a world of benefits, including a 140,000-point welcome bonus, automatic Platinum Elite status, and annual free nights.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Introduction

The IHG® One Rewards Premier Business Credit Card by Chase is a comprehensive travel rewards card designed for business owners who frequently stay at IHG properties.

With a generous point-earning structure and benefits tailored to enhance your travel experience, the card caters to the needs of the modern traveler.

From a considerable welcome bonus to exclusive IHG perks, this card aims to maximize your hotel stays and overall spend.

Perfect for those loyal to the IHG brand, this card could be a valuable addition to your wallet.

Welcome Bonus

The IHG® One Rewards Premier Business Credit Card by Chase showers new cardholders with a tantalizing welcome bonus, setting a high bar for business travel cards. As a new member, you can earn a staggering 140,000 IHG® Rewards points after spending $3,000 on purchases in the first three months. These points can translate into multiple free nights at eligible IHG hotels and resorts, making the bonus especially appealing for frequent travelers.

This introductory offer not only adds immediate value to the card but also serves as a quick-start for accumulating rewards points that can be redeemed for future stays. When leveraged well, the bonus has the potential to offset the card’s annual fee for several years, depending on how and where you redeem the points. For entrepreneurs and business owners whose work brings them to IHG properties, this bonus is a significant advantage that can translate into considerable cost savings and travel upgrades.

Given the expansive IHG hotel network, with brands such as InterContinental Hotels & Resorts, Holiday Inn, and Crowne Plaza, among others, the welcome bonus offers flexibility in accommodation choices across various destinations and service levels. Whether you are planning for luxury getaways or seeking value in budget-friendly options, the sign-up bonus ensures you start your credit card journey on a high note.

Furthermore, IHG often runs promotions where points hold more value, and if timed perfectly, your welcome bonus could yield even more value. Therefore, keeping an eye on such deals after acquiring the card could further enhance the welcome bonus’s effectiveness.

In summary, the welcome bonus of the IHG® One Rewards Premier Business Credit Card by Chase is a lucrative offer for those who can meet the initial spending requirement. For businesses with operational expenses that align with the spending threshold, securing this bonus would be an astute move to both manage business costs and indulge in the comfort of IHG properties worldwide.

Earning Rewards

Earning rewards with the IHG® One Rewards Premier Business Credit Card by Chase is an impressive feature of this card, designed to reward your loyalty and spending. The card offers a multi-tiered earning rate, providing ample opportunities to accumulate points rapidly.

Here’s a breakdown of how you can earn points:

  • Earn up to 26X points total per dollar spent when you stay at an IHG hotel. This includes 10X points for being an IHG® One Rewards Club member, 10X points for the card’s earning rate, and 6X points from achieving Platinum Elite status thanks to the card.
  • Receive 5X points per dollar on travel purchases, dining at restaurants, and at gas stations, which aligns well with typical business expenses.
  • Beneficially, you can earn 3X points per dollar on all other purchases, a rate that is above average for a business rewards card and ensures that every dollar spent contributes to your rewards pool.

As a result, whether traveling for business or pleasure, dining out with clients, refueling for a road trip, or making everyday office purchases, you are rewarded. This diversified earnings structure means that essentially every business expense funneled through this credit card will be amply rewarded with IHG® points.

This credit card notably stands out for its high return on IHG hotel stays. For business owners who are loyal to the IHG brand, this could mean a significant accumulation of points over time, which can be used for future business trips or leisure travel with family. Moreover, the elevated earning rate on broad categories like travel, dining, and gas ensures that your business expenses work harder for you, paving the way for a return on your spend in the form of IHG® Rewards points.

To maximize the earning potential, aligning business spending on this card with the highest points categories is key. For example, you might consider planning business meetings at IHG properties or using the card for travel expenses to boost your points balance significantly. Budgeting everyday business expenses to your IHG® One Rewards Premier Business Credit Card can accelerate point accumulation without any additional effort or expense.

Overall, the IHG® One Rewards Premier Business Credit Card by Chase makes earning rewards points seamless and lucrative for businesses with regular spending patterns in the eligible categories. The high points earn rate on common business and travel expenses makes this card a logical choice for business owners looking to capitalize on their business spending for travel benefits.

Redeeming Rewards

Redeeming your points is a crucial aspect of any rewards credit card, and the IHG® One Rewards Premier Business Credit Card by Chase offers a variety of redemption options to suit different needs. Let’s delve into how you can use the points you’ve earned:

  • Hotel Stays: The most straightforward and often most valuable use of IHG points is redeeming them for free nights at IHG hotels. Depending on the property and room availability, you could get excellent value for your points.
  • Points & Cash: If you don’t have enough points for a full reward night, you can opt for a Points & Cash payment, giving you flexibility and allowing your points to go further.
  • Transferring to Airlines: You can transfer your IHG points to several airline partners, although the transfer ratios may not always provide the best value.
  • Gift Cards, Merchandise, and More: IHG also allows you to redeem your points for gift cards and merchandise, but these options often offer a lower value compared to hotel stays.

One of the standout features of the IHG One Rewards program is the Fourth Night Free benefit. When you redeem points for any stay of four or more nights, you’ll only pay for three nights with points—your fourth night is free. This benefit alone can significantly increase the value of your points and is a boon for travelers planning longer stays.

The value you get per point can vary greatly depending on your redemption choice. Typically, redeeming points for hotel stays will provide the best value, especially if you book during peak times or at higher-end properties where cash rates would be high. IHG’s dynamic pricing means that the points needed for a free night can vary, so it pays to be flexible with your travel dates and to book early for the best availability.

It is crucial to consider the redemption value you’re getting for your points. A general rule of thumb is to aim for a redemption value of at least 0.5 cents per point, which is a reasonable benchmark for IHG points. However, with careful planning and a strategic approach to redemption, you can often exceed this value.

Ultimately, the flexibility of the IHG Rewards program combined with the Fourth Night Free benefit makes redeeming points with the IHG® One Rewards Premier Business Credit Card by Chase an enticing proposition. By understanding the best redemption options, you can maximize the value of your points and enjoy significant savings on travel.

Perks and Benefits

The IHG® One Rewards Premier Business Credit Card by Chase not only excels with its points-earning potential and redemption opportunities but also packs a punch with its array of additional perks and benefits. Let’s explore some of these cardholder advantages:

  • Platinum Elite Status: As a cardholder, you’re automatically granted Platinum Elite status in the IHG One Rewards program, which includes room upgrades (when available), late check-out, and a 50% bonus on base points earned during stays.
  • Anniversary Free Night: Each year, upon card renewal, you receive a free night that can be redeemed at eligible IHG hotels worldwide. This perk alone can outweigh the annual fee if used strategically.
  • Fourth Night Free on Reward Stays: When you redeem points for a consecutive four-night stay, the fourth night is free, stretching your points further.
  • Global Entry or TSA PreCheck Fee Credit: You’ll receive a statement credit for the application fee for either Global Entry or TSA PreCheck once every four years, making travel smoother and more efficient.
  • No Foreign Transaction Fees: Ideal for international travel, you won’t incur any additional charges on purchases made abroad.
  • Travel and Purchase Protection: Enjoy peace of mind with baggage delay insurance, lost luggage reimbursement, and purchase protection against damage or theft.

For business-focused perks, the card includes:

  • Spend Bonus: Upon reaching certain spend thresholds, you have the opportunity to earn additional points, bolstering your rewards balance even further.
  • Cell Phone Protection: Get insurance for your and your employees’ cell phones against damage or theft when you pay your monthly bill with the card.

With these benefits, the IHG® One Rewards Premier Business Credit Card elevates your travel experience and potentially saves your business substantial money annually on travel and everyday costs. The cell phone protection is particularly noteworthy for protecting a critical business asset, while the automatic Platinum Elite status ensures your stays are as comfortable and rewarding as possible.

Additionally, these benefits carry considerable weight in evaluating the overall card value. For instance, if you travel internationally regularly, the lack of foreign transaction fees and the travel protection can be particularly valuable. Moreover, the Global Entry or TSA PreCheck fee credit is particularly handy for business travelers who frequently fly within or into the U.S.

The combination of travel and business-related perks on the IHG® One Rewards Premier Business Credit Card makes it a strong contender for business owners seeking a card that extends beyond just earning points, by delivering tangible, cost-saving benefits that enhance every aspect of your travel and purchasing experiences.

Pros and Cons

Every credit card comes with its own set of advantages and drawbacks. Here’s a condensed list of the pros and cons associated with the IHG® One Rewards Premier Business Credit Card by Chase:

Pros:

  • Generous Welcome Bonus: Earn 140,000 bonus points after meeting the spending requirements, which can lead to multiple free nights at IHG hotels.
  • Reward Earning Potential: Up to 26X points at IHG properties and robust earning rates on travel, gas stations, and dining.
  • Anniversary Free Night: Receive a free night each year after your card renewal, which can cover the cost of the annual fee.
  • Platinum Elite Status: Complimentary status as long as you remain a cardmember, unlocking room upgrades, late checkouts, and more.
  • Fourth Night Free Benefit: Book four consecutive nights using points, and the fourth night is complimentary.
  • Global Entry or TSA PreCheck Fee Credit: Get reimbursed for the application fee once every four years.

Cons:

  • Annual Fee: There’s a $99 annual fee, which might be off-putting for some, especially if they’re not frequent IHG guests.
  • Specific Hotel Brand: Rewards and benefits are locked to IHG properties, meaning it might not be suitable for those who prefer staying at different hotel chains.
  • Limited Transfer Options: Points can be transferred to airline partners, but the transfer ratio may not always deliver the best value.
  • Reward Flexibility: Unlike some other rewards cards, points are best used for hotel stays, limiting how you can spend your rewards.

The key to fully appreciating the IHG® One Rewards Premier Business Credit Card lies in regularly staying at IHG properties and making the most of the hotel-related benefits. The potential drawbacks are mostly relevant for those who prioritize flexibility over the hotel-specific benefits offered by the card.

In determining whether this credit card is right for you or your business, weigh these pros and cons against your spending habits, travel preferences, and brand loyalty.

Comparison to Other Cards

When evaluating credit cards, it’s important to consider how a card compares to other options on the market. The IHG® One Rewards Premier Business Credit Card by Chase offers a unique set of features that are closely matched by a few competitors. Here’s how this card stacks up against some similar cards:

Marriott Bonvoy Business™ American Express® Card:

  • Welcome Bonus: Typically, Marriott Bonvoy offers a substantial welcome bonus, which might be higher compared to IHG’s bonus points.
  • Earning Rewards: Earn up to 6X points at participating Marriott Bonvoy hotels and varied points on other spending categories.
  • Redeeming Rewards: Redeem points for hotel stays, room upgrades, and experiences. Marriott Bonvoy points generally have a higher redemption value than IHG points.
  • Perks: Complimentary Silver Elite status, free night awards, and no foreign transaction fees.

Hilton Honors American Express Business Card:

  • Welcome Bonus: A competitive welcome bonus that can match or exceed the value offered by IHG.
  • Earning Rewards: Generous earning rates at Hilton properties and in various spending categories.
  • Redeeming Rewards: Points can be redeemed for hotel stays at Hilton brands, with the added benefit of points pooling and transfers to airline partners.
  • Perks: Complimentary Gold status, earning a free night after certain spend thresholds, and 10 free airport lounge visits per year with Priority Pass Select membership.

Chase Sapphire Preferred® Card:

  • Welcome Bonus: A strong sign-up bonus with versatile points that can be transferred to various partners or redeemed through Chase Ultimate Rewards.
  • Earning Rewards: Earn points on travel and dining, with bonus points on the first $25,000 spent in combined purchases each account anniversary year.
  • Redeeming Rewards: Flexible redemption options with 25% more value when booking travel through Chase Ultimate Rewards.
  • Perks: No foreign transaction fees, travel protections, and various purchase protections.

Considering these alternatives, the IHG® One Rewards Premier Business Credit Card stands out with its automatic Platinum Elite status, particularly valuable for IHG loyalists. The fourth-night-free benefit on award stays is another standout feature that can save cardholders a significant number of points.

The main point of differentiation is the target hotel brand; thus, your preference for IHG over Marriott, Hilton, or other brands, will largely influence your choice. Additionally, the value of travel and purchase protections should not be overlooked, as they can offer significant peace of mind.

Each card comes with different focuses and brand affiliations, which means the best credit card for you will depend on your business spending habits, brand loyalty, and travel needs.

Conclusion

In conclusion, the IHG® One Rewards Premier Business Credit Card by Chase is a compelling option for business owners who frequently stay at IHG hotels. With its significant welcome bonus, superior earning potential, automatic Platinum Elite status, and valuable annual free night, the card provides a robust suite of rewards and benefits that can enhance your travel experience and provide substantial savings. If your travel patterns align with the IHG brand and you can take full advantage of the card’s features, it has the potential to be a power player in your wallet and a boon for your business’s travel strategy.

Frequently Asked Questions

What factors should I consider when choosing a business credit card? Consider annual fees, reward earning rates, sign-up bonuses, and how the card’s benefits align with your business’s spending patterns and travel needs. Also, think about the card’s credit requirements and any value-added services it might offer.

How can I maximize the benefits of a hotel-affiliated business credit card? Stay loyal to the hotel brand, use the card for all eligible purchases to earn maximum points, take advantage of yearly free nights and status perks, and align business travel plans with promotional offers when available.

Is it worth paying an annual fee for a business credit card? It can be, provided the benefits and rewards you receive outweigh the cost of the fee. Calculate whether the rewards earned and money saved from the card’s perks exceed the annual fee.

How do hotel rewards points compare to other types of credit card rewards? Hotel rewards are often best used for booking hotel stays and sometimes offer less flexibility than general rewards points, which can be redeemed for a variety of travel options or cashback.

Can business credit card points be combined with personal credit card points? It depends on the issuer’s policy. Some issuers allow you to combine points from business and personal cards within the same rewards program, potentially increasing redemption power.

Leave A Reply