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IHG One Rewards Premier Business Credit Card
Welcome Offer
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How to Earn Rewards
26x
Total points per $1 spent at IHG hotels (combination of base IHG points + card bonus + Platinum Elite bonus)
5x
Points per $1 spent on travel, gas stations, social media + search engine advertising, and restaurants
3x
Points per $1 spent on all other purchases
Key Benefits
Tap any benefit to see details.
Anniversary Free Night (up to 40,000 Points)
Each cardmember anniversary, after paying the $99 annual fee, you receive a free night certificate worth up to 40,000 IHG points. You can top off the certificate with extra points to redeem at hotels charging more than 40,000 points.
4th Reward Night Free on Consecutive 4-Night IHG Stays
Enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay.
Automatic IHG Platinum Elite Status
Automatic IHG One Rewards Platinum Elite status as long as you remain a Premier Business cardmember. Includes welcome amenities at IHG hotels, space-available room upgrades, and the 26x total points earning rate at IHG properties.
Diamond Elite Status with $40K Annual Spend
The primary cardmember earns IHG Diamond Elite status through December 31st of the following year after spending $40,000 in a calendar year on the card.
$120 Global Entry / TSA PreCheck® / NEXUS Statement Credit
Statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS charged to your card. (Was $100 prior to October 1, 2024.)
Doesn't Report to Personal Credit (5/24 Friendly)
As a Chase business card, this does NOT automatically report to your personal credit report — does NOT count toward Chase's 5/24 rule. Useful for staying under 5/24 while still earning premium Sapphire benefits.
20% Discount on IHG Point Purchases
Save 20% when you purchase IHG One Rewards points using the card.
No Foreign Transaction Fees
No foreign transaction fees — useful for IHG's large European footprint.
Trip Cancellation/Interruption + Baggage Delay + Purchase Protection
Trip Cancellation/Interruption Insurance (up to $5,000 of prepaid, nonrefundable travel expenses), Baggage Delay Insurance ($100/day for up to 3 days for delays over 6 hours), Lost Luggage Reimbursement, Purchase Protection.
Free Employee Cards
Add unlimited employee cards to earn rewards on their business spending.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
I prefer this to the personal version of this card since it has less of an impact on your credit score and 5/24 status. You will get TSA Precheck or Global Entry, Platinum Elite status (which can give you room upgrades), and 4th night free when you book with points.
IHG has a large footprint in Europe of hotels that sleep 4. You can also check out my map of Holiday Inn Vacation Clubs — they have villas with kitchens and some sleep 6. We often use IHG points at Holiday Inn Express, avid, or Staybridge Suites on road trips. Or love a stay at a Kimpton.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 140,000 Bonus PointsCurrent | $4,000 in 3 months | Standard (current as of May 1, 2026) |
| 165,000 Bonus PointsElevated | Standard spend req | Ended June 2023 |
| 175,000 Bonus PointsElevated | Standard spend req | Ended May 16, 2024 |
| Up to 200,000 Bonus PointsElevated | $9,000 total spend | Earlier 200K offer ended May 2025 |
| Up to 200,000 Bonus PointsElevated | $9,000 total spend | Earlier 200K offer ended October 2025 |
| Up to 200,000 Bonus Points (140K + 60K)Elevated | $4,000 in 3 months, then $9,000 total in 6 months | Limited-time elevated; ENDED April 30, 2026 9 AM ET |
