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Compare the Features and Benefits of IHG One Rewards Premier Business Credit Card and
Chase Freedom Flex Review

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Purchase Protection
Trip Protections
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Free Annual Hotel Night
Grants Hotel Status
Annual Statement Credits
Travel and Emergency Assistance Services
No Foreign Transaction Fees
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Secondary Car Rental CDW Waiver
Free Access to Credit Score
Annual Fee
$99
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
10x Hotels

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

5x Airfare
5x Transit
5x Car Rentals
5x Gas Stations
5x Dining Out / Food Delivery
5x Office Supplies
5x Advertising on Search Engines and Social Media
3x Everything Else
Avg. Point Value
(Learn More)
$0.004
Bonus Offer
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.35) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The IHG Rewards Premier Business Credit Card is IHG’s small business credit card. And, for small business owners who even occasionally travel, it’s easily worth its annual fee. That’s because the free night certificate earned each account anniversary year should easily save you more than the $99 annual fee.

Other card perks just add to the card’s value: bonus points on wide-ranging purchases, Platinum Elite status, and the fourth night free on rewards stays.

Purchases made using the IHG Rewards Premier Business Credit Card earn 10 IHG points per dollar at hotels participating in the IHG Rewards program, 5x IHG points per dollar on travel, dining, social media and search engine advertising, office supply stores, and gas stations. All other purchases charged to the IHG Rewards Premier Business Credit Card earn 3 points per dollar.

Earn bonus points on gas station purchases using the IHG Rewards Premier Business Credit Card.

IHG point earnings are further boosted by the IHG Platinum Elite status that comes as a perk of the IHG Rewards Premier Business Credit Card. Platinum Elite members earn 60% bonus points on top of the base earning rate of 10 points per dollar. That nets a total of 26 IHG points per dollar at IHG hotels.

Big spenders can rack up additional rewards on the IHG Rewards Premier Business Credit Card. Receive a $100 statement credit plus 10,000 bonus points after spending $20,000 in a calendar year. Then, upgrade to Diamond Elite status after spending $40,000 in purchase in a calendar year. Finally, earn another free night award by spending $60,000 in purchases (plus one additional purchase) in one calendar year using your IHG Rewards Premier Business Card.

Small business owners can also earn points on employee spending. There’s no additional annual fee to add employee cards.

IHG Rewards members can redeem points for a reward night at any hotels participating in the IHG portfolio. That spans everything from luxury InterContinental Hotels to practical Holiday Inn hotels.

Intercontinental hotel in Malta, part of IHG Rewards

Even better, when you redeem IHG Rewards points for a stay of at least four consecutive nights, you’ll get a free night through the IHG Rewards Premier Business Credit Card’s fourth reward night free benefit.

Screenshot showing options to redeem points for Holiday Inn and Holiday Inn Express near Universal Orlando with the IHG credit card free night discount.

IHG Rewards Premier Business Card cardholders get a free night award each year. This certificate can be redeemed for an IHG hotel night stay costing up to 40,000 IHG Rewards points. Sure, that’s not going to get you an overwater villa in Bora Bora, but that free night will cover a stay at many IHG hotels.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Free Annual Hotel Night
yes
Grants Hotel Status
yes
Annual Statement Credits
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Secondary Car Rental CDW Waiver
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.24%-27.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.24%-27.99% thereafter)
Ongoing APR
19.24%-27.99% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

5x Lyft
3x Dining Out / Food Delivery
3x Drugstores
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months. PLUS Earn 5% cash back on combined gas station and grocery store purchases (not including Target® and Walmart®) on up to $12,000 spent in the first year.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This is a primary card in the Chase Trifecta, which includes a Chase Sapphire Preferred or Chase Sapphire Reserve, a Chase Freedom Unlimited, and this card, the Chase Freedom Flex. You’ll earn 3% on dining and drugstore purchases with the Freedom Flex. But whereas the Freedom Unlimited gives you 1.5% cash back on other spend categories, The Flex earns only 1%. That is because it has the rotating 5% bonus categories.

The rotating bonus categories each quarter can be fantastic. Amazon is a popular choice, meaning you’d earn 7,500 Ultimate Rewards points ($75) if you spent $1,500 during that quarter.

amazon-chase-freedom-flex

Since the Chase Freedom Flex is a pure cash back credit card unless you also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® with which to combine your Chase Ultimate Rewards points, it’s ideally used as part of a combo.

When you hold one of these premium Ultimate Rewards-earning credit cards, you can transfer points earned on the Freedom Flex to the premium card. Once you’ve moved the Ultimate Rewards over to the premium credit card, you can take advantage of points transfers to 12 Chase airline and hotel partners or book travel through the travel portal.

Best of all, you can accrue cash back on this card and decide to add a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® later on – if you suddenly decide that you’d like to delve into the world of credit card rewards that transfer to frequent flyer and hotel programs to book free award flights and hotel nights.

If you book through the travel portal and have a Sapphire Reserve, your points redeem for 1.5 cents each, meaning that you earn 1.5X points or cash back per dollar and redeem them for 1.5X, giving you an effective 2.25% return on your spend.

If you book through the travel portal and have a Sapphire Preferred, or Ink Business Preferred, your points redeem for 1.25 cents each, meaning that you earn 1.5X per dollar and redeem for 1.5X, giving you an effective 1.875% return on your spend.

But our absolute favorite way to redeem is always via airline and hotel transfer partners. The easiest high-value redemption is usually Hyatt. We often get better than 2 cents per World of Hyatt point. Keep in mind that Hyatt doesn’t charge any resort fees when you stay on a free night award. So let’s say you are looking at a hotel with a cash price of $259 and a $25 a night resort fee and 8% tax. That would come to $307 a night. But if that same room costs 8,000 or 12,000 Hyatt points, you could be using your points (which transfer at an even 1:1 ratio to all airline and hotel partners) with a rate of return of 3 – 4 cents.

To be clear, if you don’t also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred®, the rewards earned with the Chase Freedom Flex are purely cash back rewards.

That said, even without a card combo, it’s still a solid card to earn cash back, including 3% on dining , including takeout and eligible delivery services, and drugstores) since it has no annual fee.

The Chase Freedom Flex credit card comes with a solid range of benefits for a card with no annual fee. You’ll get Purchase Protection and Extended Warranty on the shopping side and you’ll be taken care of on canceled or shortened pre-paid trips if a covered reason arises. with the included Trip Cancellation/Interruption Insurance.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Free Annual Hotel Night
no
Grants Hotel Status
no
Annual Statement Credits
no
Travel and Emergency Assistance Services
no
No Foreign Transaction Fees
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Secondary Car Rental CDW Waiver
yes
Free Access to Credit Score
yes

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