IHG Premier Business — Lifetime Language Added

Chase has officially added lifetime language to the IHG One Rewards Premier Business credit card. The new terms state: "The new cardmember bonus may not be available to you if you have ever had this card."

This is a significant change. Previously, the IHG Premier Business card operated under a standard 24-month cooldown — meaning you could earn the sign-up bonus again after waiting two years. With the addition of lifetime language, that bonus is now a one-time opportunity. If you've ever held this card and received the welcome bonus, you won't be eligible again.

Importantly, this change only affects the IHG Premier Business card. The personal IHG Premier and IHG Traveler cards still operate under the standard 24-month cooldown with no lifetime restriction.

For anyone who has been considering the IHG Premier Business card, the message is clear: if you haven't applied yet, now may be your only chance to earn this bonus. And if you're planning your card application strategy, factor in that this bonus slot is permanently consumed once you take it.

Key Takeaways

  • IHG Premier Business now has lifetime bonus language — one-time opportunity only
  • Personal IHG cards (Premier, Traveler) are NOT affected — still 24-month cooldown
  • If you've never held this card, consider applying before more restrictions appear
  • CardOptimizer's eligibility engine now enforces this restriction automatically

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