{"id":214867,"date":"2024-03-19T14:52:26","date_gmt":"2024-03-19T14:52:26","guid":{"rendered":"https:\/\/michigandigitalnews.com\/index.php\/2024\/03\/19\/the-ihg-one-rewards-premier-business-card-review-the-stellar-personal-version-but-with-a-tie\/"},"modified":"2025-06-25T17:20:22","modified_gmt":"2025-06-25T17:20:22","slug":"the-ihg-one-rewards-premier-business-card-review-the-stellar-personal-version-but-with-a-tie","status":"publish","type":"post","link":"https:\/\/michigandigitalnews.com\/index.php\/2024\/03\/19\/the-ihg-one-rewards-premier-business-card-review-the-stellar-personal-version-but-with-a-tie\/","title":{"rendered":"The IHG One Rewards Premier Business card review: The stellar personal version but with a tie"},"content":{"rendered":"

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Fortune Recommends\u2122 has partnered with CardRatings for our coverage of credit card products. Fortune Recommends\u2122 and CardRatings may receive a commission from card issuers.<\/em>\u00a0<\/p>\n

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Our take: <\/strong>The IHG One Rewards Premier Business Credit Card<\/a> is what you get when the regular Premier card hastily throws a tie on. It offers nearly-identical perks, benefits and rewards as the personal version of the\u00a0 Premier card, which is a good thing since it includes a 140,000-point welcome bonus worth four nights, another free night each account anniversary, instant Platinum status, up to 26X rewards on IHG purchases and so much more.\u00a0The caveat is that the Premier Business card is a business card. So if you don\u2019t have legitimate business expenses, look to the personal IHG Premier<\/a>.<\/p>\n

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IHG One Rewards Premier Business Credit Card<\/h4>\n
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Intro bonus<\/h5>\n


\n 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
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Annual fee<\/td>\n

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$99<\/td>\n


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Regular APR<\/td>\n

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21.49%\u201328.49% variable<\/td>\n


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IHG One Rewards Premier Business Credit Card Overview<\/h2>\n

Card type: <\/strong>Business <\/a>, Hotel<\/a>, Travel Rewards<\/a><\/p>\n

The IHG One Rewards Premier Business instantly reminds me of one of the very first viral comedy YouTube shorts from 2007: Mother\u2019s Day by Barats and Bereta. When Luke shows up to their Mother\u2019s Day photoshoot wearing a TOOL t-shirt, Joseph yells \u201cPUT ON A TIE.\u201d Luke bellows \u201cFINE\u201d in response, and returns with\u2026 a badly-tied tie draped over the same t-shirt.\u00a0<\/p>\n

If you have two minutes, enjoy this piece of YouTube history<\/a>.\u00a0\u00a0<\/p>\n

Anyways, the IHG One Rewards Premier Business card resurfaced this clip in my brain because it appears to be the result of someone commanding the non-business IHG Premier card to \u201cPUT ON A TIE.\u201d The Premier card then returned with the word BUSINESS written on the top right and its perks, benefits and rewards 98% unchanged.\u00a0<\/p>\n

But even though the IHG One Rewards Premier Business card is just the Premier card with a loose tie thrown on, it\u2019s still one of the most impressive and value-driven hotel rewards cards out there. You\u2019ll get a whopping 140,000-point welcome bonus, automatic Platinum Elite status, free anniversary nights worth up to 40k points, a max 26X on all IHG purchases and much, much more.\u00a0<\/p>\n

The only caveat is that, well, it\u2019s a business card. That means you must tie the card to a legally registered business when you apply and you can only use the card for business-related purchases. Heck, even your point rewards must be for business-use only, meaning you can\u2019t pay your statements using company money and save the points for your own vacation plans. If you try bending these rules with a few personal expenses here and there, Chase may terminate your account, resulting in the loss of all your points.\u00a0<\/p>\n

That\u2019s why the IHG One Rewards Premier Business card should only be approached if you\u2019re sure you want to use it for business-purposes only. This makes it ideal for employers and solopreneurs who need hotel rooms, but less ideal for someone who wants to keep the points they earn from swiping the company Visa.<\/p>\n

Who is the IHG One Rewards Premier Business Credit Card good for?<\/h3>\n

The IHG One Rewards Premier Business card is ideal for someone who wants a separate business card for booking and tracking all of their IHG stays. Aside from Platinum Elite status, there\u2019s no personal benefit to using this card\u2014all the purchases and redemptions must be made for work-related reasons, and the rewards and free nights benefit the business.\u00a0<\/p>\n

Who shouldn\u2019t get the IHG One Rewards Premier Business Credit Card?<\/h3>\n

If you\u2019d rather have a hotel rewards card that you can use for both <\/em>personal and business purposes, you\u2019re looking for the regular IHG One Rewards Premier card. That\u2019s because generally speaking, it\u2019s perfectly OK to put business expenses on a personal credit card, but not the other way around.\u00a0<\/p>\n

And if you\u2019re forced to use the non-business Premier card, you\u2019re not missing much. The tie-wearing variant has higher Purchase Protection claim limits ($10k versus $500) but it also has less travel insurance so the two virtually even out.\u00a0
If you\u2019d rather not commit a $99 annual fee to either card, the no-fee IHG One Rewards Traveler card might be a better fit. <\/p>\n

IHG One Rewards Premier Business Credit Card: How to earn rewards<\/h2>\n

The IHG One Rewards Premier Business card offers the following ways to generate points:\u00a0<\/p>\n