Debt and Credit
IHG One Premier business credit card review (Update 2026.3: 200k offer)
Non-affiliated disclosure: all information about this card has been independently collected by the US Credit Card Guide and has not been reviewed by the issuer.
2026.3 Update: The 200k offer is back.
2025.9 Update: New supply is 200k. [2025.10 Update] The top offer has expired. Current offer is only 140k.
2025.3 Update: New supply is 200k. This is the best offer ever offered on this card. [Expired]
Application link
Benefits
- 200k Offer: Earn 140,000 IHG points after spending $4,000 in the first 3 months. Earn an additional 60,000 IHG points after spending a total of $9,000 in the first 6 months. That’s a total of 200,000 points. This is the best offer in recent years.
- IHG points are valued at approximately 0.5 cents/point (Hotel Points Value). So a top offer of 200k would be worth $1,000.
- Get a 40k free night (FN) certificate every year after the anniversary date of your account renewal. You can also use existing IHG points to redeem your FN at hotels above the 40,000 point redemption level.
- Earn 10x points at an IHG property; earn 5x points on travel, gas stations, select advertising, and restaurants; and earn 3x point on other purchases.
- Earn up to $50 in United TravelBank Cash each calendar year: You’ll receive one $25 United TravelBank cash deposit on or about January 1, and another $25 United TravelBank cash deposit on or about July 1. Deposits made between January 1 and June 30 will expire on July 15, regardless of the date of deposit. Deposits made between July 1 and December 31 will expire on January 15, regardless of the date of deposit. You must complete the registration once to receive this benefit. This benefit is actually worthless due to short expiration and small amount.
- Earn 10,000 bonus points + $100 statement credit after spending $20,000 in purchases and make one additional purchase each anniversary year.
- 20% off when you buy IHG points with your card.
- 4th award night free when you use points for any stay of 4 nights or more.
- Free IHG Platinum membership as long as you have this card. Get IHG Diamond Membership when you spend $40k.
- Global Entry or TSA PreCheck credit $100 every 4 years.
- There is no foreign currency.
- Look friend. Please click this link to start referencing. You can earn 10,000 bonus IHG points for every approved account you refer, up to 5 approved transfers (50,000 IHG points) per calendar year.
Evil
- $99 annual fee, NO WAIVER the first year.
- Free nights are valid for one year only.
Recommended Application Period
- [5/24 Rule] If you have 5 or more new accounts opened in the last 24 months, Chase will not approve your application for this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not just Chase accounts. See this post for details on how to bypass this rule.
- This product is available to you if you do not have this card and have not received a new Cardmember bonus within the last 24 months. Note that what matters here is the time you received the signup bonus, not the time you opened or closed the account. This business credit card does not affect sign-up bonus eligibility for personal IHG credit cards.
- Do not apply for more than 2 credit cards within 30 days, or you are more likely to be declined.
- We recommend that you apply for this card after you have had a credit history of more than a year.
Summary
It’s essentially the same as the Chase IHG Premier card.
Related Credit Cards
| Chase IHG Traveler | Chase IHG Premier | Chase IHG Premier Business | |
|---|---|---|---|
| Annual Fee | $0 | $99 | $99 |
| Free Night | there is none | up to 40k | up to 40k |
After applying
- Call 800-453-9719 to check the status of your Chase business card application. This is an automated phone line, and the information has the following meanings: Getting a decision within 2 weeks means your application is likely to be approved; Getting a decision in 7-10 days means your application has probably been rejected; Getting a decision within 30 days means that your application needs further review and there is nothing to tell you yet.
Historical Supply Chart
Application link
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