Last Updated: 10/08/2025
IHG One Rewards Premier Business Credit Card
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in Business Credit Cards from Chase Bank
Last Updated: 10/08/2025
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Highlights
Purchase APR (Variable APR)
19.99% - 28.49%(Verified 01/24/2025)
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Balance Transfer APR (Variable APR)
19.99% - 28.49%(Verified 01/24/2025)
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Annual Fee
$99
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Credit Score Range
690 - 850
IHG One Rewards Premier Business Credit Card Review
This is a rewards card issued by Chase Bank. If you're wondering whether IHG One Rewards Premier Business Credit Card is the right card for you, read on.
Key Takeaways
- Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.49%.
- A 5% balance transfer fee. IHG One Rewards Premier Business Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of IHG Rewards Business
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 19.99% up to 28.49% . The card has a variable balance transfer APR that ranges from 19.99% up to 28.49% .
It also has a variable cash advance APR of 29.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 19.99% - 28.49% |
| Balance Transfer APR | 19.99% - 28.49% |
| Cash Advance APR | 29.24% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $99 ($99) .
- A late payment penalty of up to $40 .
- A returned payment fee of up to $40.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $99 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does it offer a cash back or rewards program?
Yes, IHG Rewards Business offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 200,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does it have a sign up bonus?
Yes. Limited Time Offer! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening..
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM