Small business owners on the fence about the IHG One Rewards Premier Business Credit Card*The information for the IHG One Rewards Premier Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. have cause to celebrate today as Chase has announced a new, limited-time welcome offer. With the ability to earn over 200,000 IHG One Rewards points, business owners partial to IHG properties will have plenty of reasons to pick up the card. Let’s take a look at the offer, benefits of the card and whether it’s worth grabbing for you.
Earn over 200,000 IHG points with new welcome offer
The IHG One Rewards Premier Business Credit Card has had a large welcome offer in the past, granting cardholders the ability to earn up to 140,000 bonus points after meeting minimum spending requirements.
Now, that offer has been increased for a limited time to:
- Earn up to 175,000 bonus points: Earn 140,000 bonus points after spending $4,000 in the first three months and an additional 35,000 points after spending a total of $7,000 in the first six months.
There are two things to note about this offer:
First, the spending requirement has increased by $1,000 to earn those 140,000 bonus points. This is a definite downgrade, though business owners with regular expenses should hopefully not have much of an issue spending that additional $1,000.
Second, this offer is tiered, encouraging cardholders to continue spending beyond the first few months of card ownership.
Another lump-sum bonus of points is nice, but before applying you’ll want to crunch some numbers to see if those 35,000 additional points are worth putting an additional $3,000 in charges on your card.
The IHG One Rewards Premier Business Credit Card earns 10 points per $1 at IHG Hotels and Resorts, another 10 points per $1 as an IHG One Rewards member, 6 points per $1 from IHG with Platinum Elite status (a benefit of this card), 5 points per $1 on travel, gas stations, select advertising and restaurants and 3 points per $1 on all other purchases.
If you meet both bonus requirements by spending on travel and select advertising, or at gas stations and restaurants, you’ll walk away with up to 210,000 IHG points in your pocket.
Benefits of the IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card*The information for the IHG One Rewards Premier Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. charges a $99 annual fee but offers some pretty solid benefits in return, including:
- Anniversary free night certificate worth up to 40,000 points.
- Fourth night free on award stays.
- $100 statement credit and 10,000 bonus points after spending $20,000 in a calendar year.
- 20% discount on purchased points.
- IHG One Rewards Platinum elite status.
- Up to $100 statement credit for Global Entry/ TSA PreCheck.
- Travel and shopping protections.
Is it worth it?
Although IHG has moved to dynamic pricing, 200,000+ points is nothing to sneer at. Websites such as MaxMyPoint and Awayz by Odynn make it especially easy to see when and where it’s best to redeem your IHG points for maximum value.
Take, for example, this four-night stay at the Intercontinental The Clement Monterey, which will cost you $1,367.66.
For those looking to book award rooms, the hotel charges an average of 39,750 points per night, making this stay 159,000 points. Or it would be if the IHG One Rewards Premier Business Credit Card didn’t give you your fourth night free on award stays. This drops your cost down to just 119,250 points for all four nights.
With redemptions like this, it’s easy to advocate for the IHG One Rewards Premier Business Credit Card, since you’ll easily get over $1,000 in value from your welcome offer.
Final verdict
The IHG One Rewards Premier Business Credit Card offers a new, limited-time welcome bonus. Although it charges just a $99 annual fee, the card has solid benefits, including an annual free night certificate. Combined with this welcome offer, small business owners may want to take the plunge and add this card to their wallet.
*The information for the IHG One Rewards Premier Business Credit Card has been collected independently by Blueprint.The card details on this page have not been reviewed or provided by the card issuer.
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Carissa Rawson is a credit cards and award travel expert with nearly a decade of experience. You can find her work in a variety of publications, including Forbes Advisor, Business Insider, The Points Guy, Investopedia, and more. When she's not writing or editing, you can find her in your nearest airport lounge sipping a coffee before her next flight.
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Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.
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Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.
