IHG One Rewards Premier Business: Hotel Rewards with Business Travel Perks

Earn up to 26X points on IHG stays, 5X points on travel, dining, gas stations, and select business purchases, and 3X points on all other spending, plus automatic Platinum Elite status and an annual free night certificate for ongoing hotel value.

Olena
By Olena | May 26, 2026 at 11:06 PM EST

The Bottom Line

4.5
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The IHG One Rewards Premier Business Credit Card is best suited for business owners who regularly stay at IHG properties and can consistently use its hotel-focused benefits. This card earns up to 26X points on IHG stays, 5X points on travel, dining, gas, and select business purchases, and 3X points on all other spending. It also includes a sign-up bonus, automatic Platinum Elite status, and an annual free night award, along with useful perks like the 4th night free on award stays, Global Entry, TSA PreCheck®, or NEXUS credit, and no foreign transaction fees. That said, this is not a one-size-fits-all business card. Its value depends heavily on how often you stay with IHG and whether you can use the free night and elite benefits each year. For businesses that book hotels regularly with IHG, the card can offer solid long-term value. For others, especially those looking for flexible rewards or cashback, it may be less compelling.
IHG One Rewards Premier Business
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IHG One Rewards Premier Business
Annual fee:   $99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Up to 26X Points at IHG® Hotels and Resorts: 10X points with the card + up to 10X points as an IHG One Rewards member + up to 6X point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember. Additionally, earn 5X points on travel, dining, select business purchases, and gas stations, plus 3X points on all other purchases.

3x - 10x Points

Welcome Offer Earn 140,000 bonus points after spending $4,000 in the first 3 months. That's up to 4 nights at IHG Hotels & Resorts.

140,000 Points

Welcome Offer

Earn 140,000 bonus points after spending $4,000 in the first 3 months. That’s up to 4 nights at IHG Hotels & Resorts.

Rewards

  • Up to 26X Points at IHG® Hotels and Resorts: 10x points with the card + up to 10X points as an IHG One Rewards member + up to 6X point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
  • 5X Categories: 
    • Gas Stations
    • Dining
    • Travel
    • Select business purchases
  • 3x Points on all other purchases.
  • 20% Discount on Points Purchases: Save 20% when purchasing IHG One Rewards points with your IHG One Rewards Traveler credit card.

Redemption Options

  • Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
  • Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.

Fees and APR

  • Annual Fee: $99.
  • Regular APR: 19.24% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Annual Credits & Statement Credits

  • Anniversary Free Night: Receive a free night each account anniversary (up to 40,000 points), with the option to top off using additional IHG One Rewards points for higher-value stays.
  • Annual Spending Bonus: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 in purchases each calendar year.
  • Up to $120 Global Entry, TSA PreCheck®, or NEXUS Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry®, TSA PreCheck®, or NEXUS application fee.

Hotel Elite Status

  • IHG One Rewards Platinum Elite Status: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.

Travel Protections

  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.

Buy Now, Pay Later Options

  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

  • Click Apply Now to see the terms and conditions.

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