What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
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Credit Card
Chase IHG Premier Business Bonus — Up to 140,000 Points + 5,000 points
Apply to Chase IHG Premier Business Bonus and earn up to $725 in combined sign-up and referral bonuses.
Qualifying Period
Within 3 months of account opening
Requirements
- ✓Spend $4,000 on purchases in first 3 months
- ✓Spend $4,000 on purchases within first 3 months from account opening
- ✓$4,000 spend in first 3 months from account opening
- ✓$9,000 total spend in first 6 months for full bonus
- ✓Spend $4,000 on purchases in first 3 months from account opening
- ✓$4,000 in purchases in first 3 months from account opening
- ✓$4,000 in purchases within first 3 months from account opening
- ✓$9,000 total purchases within first 6 months for full bonus
- ✓Spend $4,000 in first 3 months for first tier
- ✓Spend cumulative $9,000 in first 6 months for full bonus
Restrictions
- ⚠New customers only
- ⚠Lifetime bonus restriction (may not be eligible if you've ever had this card)
- ⚠New cardmembers only
- ⚠Must not have previously received a new cardmember bonus within last 24 months
- ⚠Lifetime language applies
- ⚠Card account must be open and not in default at time of fulfillment
- ⚠Must not have had this card previously
- ⚠Must not have received bonus on this card within past 24 months
- ⚠New cardmember only
- ⚠Not eligible if you have or have had this card
- ⚠Eligible if you have had personal IHG cards
- ⚠Subject to Chase 5/24 rule
- ⚠New cardmember bonus may not be available if you have ever had this card
- ⚠Account must be open and not in default at time of fulfillment
- ⚠Lifetime language: may not be eligible if you have ever had this card
- ⚠Cannot have received bonus on this card in past 24 months
- ⚠Cannot currently hold this card
- ⚠May not be available if you have ever held this card (lifetime language)
Fees
- $99 annual fee
- $95 annual fee
- Account must be open and not in default at time of bonus fulfillment
- This is a business credit card
- Balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, checks that access your account, interest, unauthorized/fraudulent charges, and fees do not count as purchases
- Account must be open and not in default at time of fulfillment
- Account anniversary year benefits: $100 statement credit and 10,000 bonus points when spending $20,000+ annually
- Automatic Platinum Elite status included
- Free reward night after each account anniversary
- 10,000 additional bonus points available for adding employee card in first 3 months
- Additional 10,000 bonus points when you add an employee card in first 3 months
- Lifetime bonus restriction applies — card has not been publicly available to previous cardholders
- The higher 200,000-point tiered offer (140k + 60k) expired April 30, 2026
- Account must be open and not in default at fulfillment
- Balance transfers, cash advances, and similar cash-like transactions do not count toward spend requirement
- Bonus points may not be available if you have ever had this exact card
- Free night certificate valid one year (40,000 point redemption cap)
- Annual $100 statement credit and 10,000 bonus points after spending $20,000 in a calendar year
- Fourth Reward Night Free benefit on four-night consecutive IHG stays
Total potential bonus
$725
Additional Referral Bonus (how it works)
5,000 points
Your 50% share of 10,000 points paid directly by the referrer
View Referral Terms →140,000 points (sign-up) + 10,000 points (referral) = $725 total
Last updated August 5, 2026
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How to evaluate Chase IHG Premier Business Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- Within 3 months of account opening
How to qualify
- Spend $4,000 on purchases in first 3 months
- Spend $4,000 on purchases within first 3 months from account opening
- $4,000 spend in first 3 months from account opening
- $9,000 total spend in first 6 months for full bonus
Common pitfalls
- New customers only
- Lifetime bonus restriction (may not be eligible if you've ever had this card)
- New cardmembers only
- Must not have previously received a new cardmember bonus within last 24 months
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include 140,000 points sign-up bonus, 5,000 points referral share for a total displayed potential of $725. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Chase IHG Premier Business Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is 5,000 points based on 50% of the listed referral payout.
How long do I have to qualify for Chase IHG Premier Business Bonus?
The qualifying period listed for Chase IHG Premier Business Bonus is Within 3 months of account opening.
