IHG One Rewards Premier Business card is offering 200,000 after spending $9000 in 6 months(Earn 140,000 bonus after you spend $4,000 on purchases within the first 3 months of account opening. Plus earn an additional 60,000 bonus after you spend $9,000 total on purchases within 6 months) with a $ 99 annual fee.. That's up 60,000 points over their standard offer of 140,000 after spending $4000 in 3 months.
IHG One Rewards Premier Business Credit Card Review
Key Takeaways
The IHG One Rewards Premier Business Card is a great long-term value for small business owners, especially those who stay at IHG properties at lease once a year. The free anniversary night (worth up to 40,000 points) alone justifies the $99 annual fee. With a 140,000-point sign-up bonus, Platinum Elite status, and unlimited 4th night free on award stays, the card delivers consistent rewards and flexibility. It also won’t count against your Chase 5/24 status, making it a smart choice for points enthusiasts managing their application strategy. The strong earning categories, including travel, dining, gas, and digital ad spend, make it easy to rack up points through everyday business expenses.
Why This Card Could Be Right For You
If you’re looking to diversify beyond Chase, Amex, and Capital One, and want a hotel-specific card, IHG is a solid choice. To start, you get a 140,000-point sign-up bonus (we’ve seen it as high as 200,000) with a reasonable $4,000 spend in the first 3 months. Also, the $99 annual fee is easily offset by the free anniversary night (worth up to 40,000 points). And IHG gives you even more love with its "4th night free" on award stays: Book for four consecutive nights, and the 4th night is free!" It's unlimited use and stackable, meaning an 8-night stay would get you 2 free nights. Here are a few more reasons you might want this card:
- Platinum Elite status, as long as you hold the card.
- Global Entry, TSA PreCheck, or NEXUS statement credit.
- No impact on Chase 5/24 status, making it a great business card for those nearing their limit.
- Strong spending categories:
- 5x points on travel, gas, dining, social media/search engine advertising, and office supply stores.
When The Usual Advice Doesn't Apply
This card might not be a good fit if you never stay at IHG properties, making the free night benefit useless.
What to Know About IHG Rewards
IHG is our “utility” hotel points system. If you just need a night or two, and aren’t looking for glitz and glamor, IHG points go a long way.
- The IHG brand consists mostly of Holiday Inns. So they are in nearly every small town or international city you might want to stay. We use it as the Hyatt’s “not there” filler.
- The generous sign-up bonuses (especially if you wait for a special offer) will cover 6-8 nights per card.
- IHG is part of the Chase partner rewards system, but the transfer value is poor, so we don’t recommend transferring anything more than a few thousand points to top off your balance for a stay.
How The IHG One Rewards Premier Business Credit Card Fits In The IHG Rewards Ecosystem
The IHG One Rewards Premier Business card is nearly identical to the personal Premier card, but it won’t count against Chase’s 5/24 limit, making it a great option for those nearing their 5/24 cap.
If you don’t qualify for a business card, IHG offers two personal card options:
- IHG One Rewards Club Premier ($99 annual fee) You'll get a 140,000-point sign-up bonus on a $3,000-spend in 3 months. You also get a free anniversary night each year (up to 40k points). Plus you're eligible for the "4th night free on award" stays. Finally, it comes with Platinum Elite status.
- IHG One Rewards Traveler (No annual fee). You'll get a 80,000-point sign-up bonus on a $2,000-spend in 3 months). But there is no free anniversary night, and no "4th night free" perk.
If you don’t plan to keep the card long-term, the Traveler card seems like a better option. However, we recommend getting the Premier for the higher sign-up bonus and free night, then downgrading to the Traveler after the first year if needed.
If you’re near Chase’s 5/24 limit, the IHG One Rewards Premier Business card is a better option, as it won’t count against 5/24 but still offers all the same benefits as the personal Premier card.
My Experience, No Filter
For us, this business card was a no-brainer. The solid sing-up bonus and the free anniversary night alone made it worth adding. And the 4th night free on award stays gave us even more value. Plus, its business classification makes it a great 5/24 workaround for Chase enthusiasts. We've used this card and IGH points plenty of times when we couldn't find a Hyatt close by.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 200,000 | $9,000 | 0.6 ¢ | $125 | $99 |
$1280
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| IHG Hotels | Platinum Elite status, Anniversary Free Night | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
AWARD SYSTEM
OFFER PRIOR TO CURRENT SPECIAL
140,000 Bonus Points for
$4,000 spend ended Mar 2025
$4,000 spend ended Mar 2025
Spend Categories
All Other = »
3X points
1.8¢ Per Dollar Spent
Gas Stations = »
5X points
3¢ Per Dollar Spent
Hotels = »
26X points
15.6¢ Per Dollar Spent
Office Supplies + »
5X points
3¢ Per Dollar Spent
Online Advertising = »
5X points
3¢ Per Dollar Spent
Restaurants = »
5X points
3¢ Per Dollar Spent
Travel = »
5X points
3¢ Per Dollar Spent
Card Benefits
Free Room Annually »
You get 1 standard room night free. You're responsible for all incidental charges, such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged.
You get 1 standard room night free. You're responsible for all incidental charges, such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged.
TSA Pre Check »
Get up to $100 statement credit for Global Entry, or an $85 fee credit for TSA PreCheck.
Get up to $100 statement credit for Global Entry, or an $85 fee credit for TSA PreCheck.
Travel Insurance »
Reimbursed up to $1,500 per person and $6,000 per trip
Reimbursed up to $1,500 per person and $6,000 per trip
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Statement Credits »
Plus, earn up to $100 in statement credits on purchases at IHG properties during the first 12 months from account opening.
Plus, earn up to $100 in statement credits on purchases at IHG properties during the first 12 months from account opening.
Hotel Perks »
Automatic Platinum status includes: priority check-in, late checkout, free internet & complimentary room upgrades (not available during reward stays). Fourth night free on award stays.
Automatic Platinum status includes: priority check-in, late checkout, free internet & complimentary room upgrades (not available during reward stays). Fourth night free on award stays.
Purchase Protection »
You're protected for 120 days from the date of purchase, up to $500 per claim, and $50,000 per account.
You're protected for 120 days from the date of purchase, up to $500 per claim, and $50,000 per account.
Extended Warranty »
Get up to 1 additional year on warranties of 3 years or less
Get up to 1 additional year on warranties of 3 years or less
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System IHG Rewards
Transfers Out To
Air Canada Aeroplan
5:1 47% value retained
Alaska Airlines Mileage Plan
5:1 40% value retained
American Airlines Miles
5:1 47% value retained
Avianca LifeMiles
5:1 47% value retained
British Airway Executive Avios
5:1 33% value retained
Delta SkyMiles
5:1 40% value retained
Etihad Guest
5:1 40% value retained
Flying Blue and Air France
5:1 40% value retained
jetBlue trueBlue
5:1 40% value retained
Lufthansa Miles and More
5:1 37% value retained
Singapore KrisFlyer
5:1 43% value retained
Turkish Airways
5:1 40% value retained
Virgin Atlantic Flying Club
5:1 47% value retained
Transfers In From
Chase Ultimate Rewards
1:1 38% value retained
IHG One Rewards Premier Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Ranking of Cards Offering IHG Rewards
Breaking Points
March 23, 2025
IHG One Rewards Premier Business
April 2, 2024
Mini Points - April 2024
- IHG Business Chase Premier Card has an awesome offer of 140,000 points after spending $4000 in 3 months with a $99 annual fee.
- American Express Hilton Business card to increase annual fee from $95 - $195 + no more 6x categories or priority pass visits.
May 1, 2023
BIG Bonus on IHG Business Card
For a limited time get the IHG Rewards Premier Business Card and earn 165,000 Bonus IHG Points after spending $3000 in the first 3 months. $99 Annual Fee
December 6, 2022
IHG Sign Up Offers Coming in Hot
3 IHG Credit cards are offering some amazing sign up bonuses, these points can get you hotels on every continent:
1. IHG Reward Traveler - Get 120,000 Points after spending $2000 in 3 months - no annual fee.
2. IHG Rewards Premier - Get 140,000 Points after spending $3000 in 3 months, free anniversary night - $99 annual fee.
3. IHG Rewards Premier Business Business - Get 140,000 Points after spending $3000 in 3 months, free anniversary night + more, $99 annual fee.