# IHG One Rewards Premier Business Credit Card

> Earn up to 10x at IHG and 5x on dining. $170+ in statement credits per year. $99 annual fee.

Canonical page: https://cardstack.money/cards/ihg-one-rewards-premier-business-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Visa
- Annual fee: $99
- Rewards program: IHG One Rewards (https://cardstack.money/programs/ihg-one-rewards.md)
- Total statement credits value: $170 per year
- Net value after annual fee: +$71 per year (credits value minus fee)
- Welcome offer: 140,000 bonus points after you spend $4,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 10x | IHG hotels |  |
| 5x | Dining |  |
| 5x | Gas & EV Charging |  |
| 5x | Travel |  |
| 5x | Advertising |  |
| 5x | Office Supplies |  |
| 3x | All other purchases | Base earn rate |

## Statement credits

### United TravelBank Credit - $50/yr ($25 semi-annual)

Two $25 United TravelBank credits per calendar year. Credits expire and do not roll over.

- Resets: ~Jan 1 (expires Jul 15) / ~Jul 1 (expires Jan 15)
- Enrollment required: yes
- Where to redeem: Two $25 United TravelBank credits per year
- Details: https://cardstack.money/benefits/ihg-one-rewards-premier-business-credit-card-united-travelbank-credit.md

### TSA PreCheck/Global Entry/NEXUS - $120/yr ($120 every 4 years)

Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee.

- Resets: Every 4 years
- Where to redeem: Application fee
- Details: https://cardstack.money/benefits/ihg-one-rewards-premier-business-credit-card-tsa-precheckglobal-entrynexus.md

## Featured benefits

- **IHG One Rewards Platinum Elite Status** (IHG Platinum Elite status): Complimentary IHG One Rewards Platinum Elite status while you hold the card. Benefits include 60% bonus points on stays, room upgrades when available, and welcome amenities.
- **Anniversary Free Night Award** (Up to 40,000 points): One anniversary Free Night Award valid for stays up to 40,000 IHG One Rewards points; add points to book higher-category properties. Issued after account anniversary; expires one year from issuance per IHG rules.

## Other benefits

- **Fourth reward night free on points stays of four or more nights**: Fourth night free on eligible award stays of four or more nights; program rules apply.
- **IHG Points Discount**: Save on purchased IHG points during eligible promotions; limits per IHG.
- **$100 statement credit and 10,000 bonus points after $20,000 in calendar-year spend**: Offer details, spend requirements, and timing per issuer; verify current terms before applying.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.


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CardStack automatically tracks the IHG One Rewards Premier Business's $170 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863