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IHG® Rewards Premier Business Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.49% ‐ 27.49% (Variable)
Interest Rate: Purchases
20.49% ‐ 27.49% (Variable)
Balance Transfer
20.49% ‐ 27.49% (Variable)
Balance Transfer
20.49% ‐ 27.49% (Variable)
3 - 10 points
3 - 10 points
Signup Bonus
140000 points (after spending $3,000)
Signup Bonus
140000 points (after spending $3,000)

Informr score
The IHG® Rewards Premier Business Credit Card currently has an Informr score of 8.4 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?

IHG® Rewards Premier Business Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Points Guy
The Points Guy

The IHG Premier Business card has an annual fee of $99 and offers an annual free night award that can be redeemed for more value than that. Cardholders also earn points at quality rates when making purchases in bonus categories, yet the earning rate on everyday purchases is weak. The complimentary P...

- Ryan Smith, The Points Guy

The IHG Rewards Premier Business card won’t make sense for everyone because it’s a specific hotel card that comes with a $99 annual fee. But the card’s compelling benefits can offset the cost of the fee, making it the right fit for people who frequent IHG hotels.

- Ben Walker, FinanceBuzz
One Mile at a Time
One Mile at a Time

The IHG Premier Business Credit Card is a product that I highly recommend getting. The card’s $99 annual fee is really easy to justify, thanks to the anniversary free night award, up to $50 in United credits, IHG Platinum status, and much more. This free night certificate is the single biggest benef...

- Ben Schlappig, One Mile at a Time

For small business owners who can regularly stay at IHG Properties, the IHG® Rewards Premier Business Card* is a useful card to have. The card offers generous earnings for stays within the brand, which includes Intercontinental, Kimpton and Holiday Inn hotels and comes with valuable perks that can f...

- Aaron Hurd, Robin Saks Frankel, Forbes
Fit Small Business
Fit Small Business

If you prefer to stay at IHG® Hotels & Resorts when traveling, the IHG® Rewards Premier Business Credit Card from Chase can help you make the most of your business expenses by earning lucrative rewards. It provides a variety of redemption options so you can use your points depending on what your...

- Tricia Tetreault, Fit Small Business


Interest Rates
Regular APR Interest Rate 20.49% ‐ 27.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 20.49% ‐ 27.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $99.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00
Sign up bonus 140000 points after spending $3,000

On purchases within the first 3 months.

All Purchases 3 points per $1 spent
Restaurants 5 points per $1 spent
Gas 5 points per $1 spent
Groceries No
Hotels 10 points per $1 spent
  • Plus up to 10X points from IHG® for being an IHG® Rewards member
  • Plus up to 6X points from IHG® with Platinum Elite Status, a benefit of this card
Travel 5 points per $1 spent
Pharmacy No
Bills No
Additional Details
  • 5 points per $1 spent on select business
  • Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each calendar year.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Enjoy a reward night after each account anniversary year at IHG hotels worldwide.
  • Automatic Platinum Elite status as long as you remain a Premier Business cardmember.
  • Trip Cancellation/Trip Interruption Insurance
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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