Did this coupon
work for you?
work for you?
Popular
Advertiser Disclosure
IHG® Rewards Premier Business Credit Card: Earn up to 165k Bonus Points After $3k Spend in First 3 Months
Chase[/URL] is offering up to 165,000 bonus points after you spend $3,000 on purchases in the first three months your account is open with the IHG® Rewards Premier Business Credit Card[/URL]. Annual fee is $99.
Card Details:
Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC
Slickdeals may be compensated by Chase.
Card Details:
Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC
Slickdeals may be compensated by Chase.
If you take advantage of an offer on our site, Slickdeals may receive a commission.
These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
28 Comments
Your comment cannot be blank.
Sign up for a Slickdeals account to remove this ad.
That said, things like 4th night free on reward bookings won't typically be super useful after you burn off your signup points because other than the two signups there's rarely a worthwhile way to accumulate points in bulk...
The earning rates on any non-IHG spend suck (you're just about always going to want either 1.5-5x chase points, or 2x-5x Amex points, on any category or non-category spend rather than 3x IHG points).
And even on IHG spend you only get 10x for using the card (the other 16x of the 26x they advertise you get for IHG spend regardless of the card you use).... and here again most people are going to get more value out of the chase or amex hotel multipliers than 10x IHG points... So you're left with never adding IHG points other than the 16x you get using a different card on IHG spend specifically....so going to be a while before you rack up enough for another free four-night reward booking.
I suppose when they occasionally run the promos where you can buy points for 0.5 cents (which on average is all you get using them for rooms anyway- but with the free night on reward bookings that changes the math) it might come in useful.
Platinum status hasn't been worth much in my experience either- welcome amenity of like a bag of chips or 2-3 bucks in points, and the occasional bump to a room on a higher floor is about it, though YMMV.
I already have a personal IHG Premier card. I used the same rewards account for both, does anyone have experience with having a personal and business card tied to same IHG account?
Hopefully there is no issue getting 2 annual free nights on same account.
Would also like to know
Every sold something at a garage sale? Or on Ebay? Oh look, you have a business!
Business type: sole proprietorship
Business name: your name
Tax ID/EIN: your social security #
That's it
That said, things like 4th night free on reward bookings won't typically be super useful after you burn off your signup points because other than the two signups there's rarely a worthwhile way to accumulate points in bulk...
The earning rates on any non-IHG spend suck (you're just about always going to want either 1.5-5x chase points, or 2x-5x Amex points, on any category or non-category spend rather than 3x IHG points).
And even on IHG spend you only get 10x for using the card (the other 16x of the 26x they advertise you get for IHG spend regardless of the card you use).... and here again most people are going to get more value out of the chase or amex hotel multipliers than 10x IHG points... So you're left with never adding IHG points other than the 16x you get using a different card on IHG spend specifically....so going to be a while before you rack up enough for another free four-night reward booking.
I suppose when they occasionally run the promos where you can buy points for 0.5 cents (which on average is all you get using them for rooms anyway- but with the free night on reward bookings that changes the math) it might come in useful.
Platinum status hasn't been worth much in my experience either- welcome amenity of like a bag of chips or 2-3 bucks in points, and the occasional bump to a room on a higher floor is about it, though YMMV.
Higher levels gets you more points. Platinum also qualifies you for a room upgrade.
Sign up for a Slickdeals account to remove this ad.
Plat gets you 6 more points per dollar spent at IHG...so about $3 worth of points per $100 spent. Which I already mentioned in the post you're replying to--- I mean, it's better than NOTHING, but it's not super valuable.
It theoretically qualifies you for a room upgrade (Subject to availability), but most IHGs I've stayed at that means "we put you on a higher floor" which is also of... questionable value....
Indeed the benefit also explicitly excludes you gaining any club benefits if upgraded to a club floor in hotels that have them (in contrast to say Marriott where you DO gain those benefits)-- and may not be offered at all at some brands like InterContinental Residences, voco Residences, and Crowne Plaza Residences.
Regardless, the actual point of the post you were replying to is that it's virtually never worth using the actual card
Because the 2 benefits you list you get even when you don't use the card, and there's better places to put your spend, even your IHG spend, than this card once you've secured the signup bonus.
It theoretically qualifies you for a room upgrade (Subject to availability), but most IHGs I've stayed at that means "we put you on a higher floor" which is also of... questionable value....
Indeed the benefit also explicitly excludes you gaining any club benefits if upgraded to a club floor in hotels that have them (in contrast to say Marriott where you DO gain those benefits)-- and may not be offered at all at some brands like InterContinental Residences, voco Residences, and Crowne Plaza Residences.
Regardless, the actual point of the post you were replying to is that it's virtually never worth using the actual card
Because the 2 benefits you list you get even when you don't use the card, and there's better places to put your spend, even your IHG spend, than this card once you've secured the signup bonus.
So the IHG card gets you 10x using it on IHG rooms. Points are about 0.5 cents in value on average. So the cash equivalent of 5% but only usable at IHG.
The simplest alternative is if you have BoA Plat honors status- they have a NO annual fee card that'll get you 5.25% straight up cash back on all travel if you pick that as your bonus category (though capped at $2500 spend per quarter-but you can have more than 1 of them and if you travel enough for that to be an issue then you should EASILY be able to justify annual fee cards)
Chase the CSR is pretty easy to get the AF back in value between the travel credit plus the instacart and other credits... which then nets you 3x UR on hotel spend and it should be quite easy to beat 5% cash equivalent even with coach flight point transfers or Hyatt hotel transfers.... and CRUSH 5% cash equivalent for biz or 1st class flight transfers.
On the amex side it can be a bit tougher depending.... if you typically use your amex points for business or first class flights via partner transfers then you don't even need an annual fee card-- the blue business plus gets you 2x MR on everything, and you should be getting at least 3-6 cents a point in value for your airfare-- so that's already 6-12% cash equivalent with no annual fee. If you tend to use your MR for coach flights however you're probably only getting like 1.75 cents a point on average...so you have to do a little better than 2x to beat the IHG card... the Amex Amex green gets you 3x MR on hotels (and all other travel- plus restaurants)-so 5.25% AND the fact they're flexible points you can use for a bunch of airline partners.... AF is $150, if you can make that up depends if you value a Clear membership or not (which it can get for your whole family using the credit the card comes with) and you get a $100 loungebuddy credit as well if you otherwise have no airport lounge access with other cards...
Now I will say, if you spend a LOT of time at IHGs.... AND you tend to do stays in multiples of 4 nights specifically... AND you don't fly much.... then taking the 10x IHG points for your stays might beat the flex point options (or even the 5.25% straight cash) by virtue of the value cashing the points in at essentially 25% more value by leveraging the 4th night free benefit many times.... but you'd need all of those circumstances to be true to get there...including PAID stays frequently enough you earn enough points to make repeated 4 night point-only bookings.
Addendum since you mention your hilton card... that's not one that is ever really useful after the signup bonus- Hilton points are also only worth about 0.5c on average... so the 5x earn on food/gas/groceries is terrible (2.5% equivalent) and the 7x on Hilton stays (3.5% equivalent) is also pretty awful.
You get "silver" Hilton status which is worth... not much... If you stay at HIltons enough that you'd care, the Aspire card is a MUCH better deal-- First you get Diamond status so 100% bonus points on stays, space-available room upgrades (with a lot better value than IHG upgrades in my experience), free breakfast or food/bev credit daily, and you get free lounge access at any Hilton property with a lounge. On top of that you get a $250 annual airline credit, and a $250 Hilton resort credit (that can apply to room cost too), AND a free night cert every year that IS NOT POINT CAPPED. So $500 in credits and a no-cap free night--- for a $450 annual fee. Also priority pass membership too... and by earning 14x when paying for Hilton stuff that's (at 0.5c a point) 7% cash equivalent-- so actually worthwhile if you're mostly a coach flyer compared to the flex point options... (and they do 5th night free and no resort fees on point bookings so potentially higher value still if you can leverage that)
I'm honestly shocked the Aspire hasn't either cut benefits or raised the fee- the value proposition there is shockingly good for a high-fee premium hotel card.... Contrast that with the Marriott equivalent.... The Bonvoy Brilliant is $650...You get $300 in dining credits (though annoyingly split into $25/mo but ok let's call that full value) and you get a point capped free night (though it's 85k so ALMOST uncapped)... so you'll need to use this for a room that'd otherwise cost you at least $350 to break even on the fee... versus the Aspire where you're already $50 ahead of the fee BEFORE your free uncapped night is used. You do also get platinum status (but not the kind that includes SNAs) so basically just free breakfast/lounge access and space-available upgrades. If you stay at nicer Marriotts decently often that HAVE lounges it's probably going to be "worth" keeping year over year but it's not nearly the slam dunk the Hilton card is for its fee.
This isn't really a problem so long as you use your card at least once a year... buy a pack of gum with it or do a $1 amazon reload or whatever.