Card dossier
IHG One Rewards Premier Business
Issuer
Chase
Annual fee
$99
Offer Strength
Great offer$100 above typical value
Show breakdown
Estimated bonus value: ~$700
Base score: 45
Hotel boost: +15
Ongoing hotel value (conservative): ~$114
• 1 free night/yr (up to 40,000 pts)
• Platinum Elite status
Current $700 vs typical $600
Net value after annual fee: ~$700
Estimate based on our value hints; not financial advice.
Annual Fee
$99/yr
Credit Score
Good credit recommended (670+)
IHG One Rewards Premier Business
Welcome Offer
Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
IHG Hotels & Resorts
26x points
Up to 26X total points per $1
Travel, dining, select business, gas stations
5x points
All other purchases
3x points
Key benefits
140,000-point welcome bonus
After $4,000 spend in the first 3 months.
Up to 26X at IHG Hotels & Resorts
Includes IHG member and Platinum Elite earnings.
Anniversary Free Night
Each year with a 40,000-point redemption cap.
4th Reward Night Free
On consecutive four‑night IHG reward stays.
Perks
$100 statement credit + 10,000 bonus points
After $20,000 in purchases each calendar year.
Platinum Elite Status
Included with the card.
Ongoing Value
Annual benefits that offset the fee year after year.
Anniversary Free Night
1 free night per year (up to 40,000 pts)
Elite Status
Platinum Elite (~$60/yr value)
Annual free night (up to 40k points) + Platinum Elite.
Annual Fee Breakeven
Good fit for
About this card
The Chase IHG One Rewards Premier Business is a business hotel rewards card with a $99 annual fee. Current public offer: Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
Best for
occasional travelers, hotel loyalty members, small business owners
Key considerations
Low annual fee of $99 is easy to offset with benefits. Annual free night certificate helps offset the fee.
Recent updates
Recent offer or rule changes that affected this card.
Card analysis
Offer analysis
The current offer on the IHG One Rewards Premier Business awards 140,000 points after spending $4,000 within 90 days of account opening.
Annual fee value
The $99 annual fee is partially offset by ongoing benefits including Platinum Elite elite status (~$60), with an estimated total value of ~$60 per year.
In the first year, the sign-up bonus alone delivers approximately $661 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
The current public product page, Offer Details, and pricing terms do not state a lifetime or fixed 24-month repeat-bonus restriction. Bonus eligibility is not guaranteed; Chase may determine the final result. Review the secure application terms because those terms control.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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