IHG One Rewards Business Credit Card
- Best for: Business owners, side businesses included, who stay at IHG hotels for work or whose employees do
- What Sets It Apart: Automatic Platinum Elite status; 5X on social media and search engine ads; a second free night after $60,000 in yearly spending
- Cost: $200 annual fee; 19.49% to 27.99% variable interest rate on purchases; no foreign transaction fee; free employee cards
- Features: 190,000 bonus points after $5,000 in purchases in the first 3 months; 10X at IHG hotels, 5X on dining, gas, social media and search engine ads, flights bought directly from airlines, and car rentals, 3X on the rest; anniversary free night at hotels up to 50,000 points, with points to top it up at pricier ones; 15 Elite Night Credits a year; 20,000 bonus points at $25,000 in yearly spending; $25 quarterly IHG dining vouchers; $100 yearly airline credit through 2027; up to $100 a year at Expensify; primary rental car coverage on business rentals
- Pros: Platinum status with no spending requirement; a free night at hotels up to 50,000 points; 5X on social media and search engine ads
- Cons: $200 fee versus $150 for the personal Premier; travel beyond airfare and car rentals drops to 3X in 2027; Diamond status takes $50,000 a year
Open the IHG One Rewards Business Credit Card if you or your employees stay at IHG hotels for work, since automatic Platinum status and a yearly free night can outweigh its $200 fee. If you stay only a few nights a year, the personal IHG Premier card gives you the same free night for $150 instead of $200.
Until its October 2026 refresh, Chase called this card the IHG One Rewards Premier Business. You can apply as a sole proprietor, even for a side business, using your Social Security number instead of a business tax ID.
Key Features
- $200 annual fee, 19.49% to 27.99% variable interest rate on purchases, and no foreign transaction fee
- 190,000 bonus points after $5,000 in purchases in 3 months, plus 10,000 for adding a free employee card in that time
- 10X points (10 per $1) at IHG hotels; 5X on dining, gas, social media and search engine ads, flights bought from airlines, and car rentals; 3X on the rest
- A free night each card anniversary at hotels up to 50,000 points a night, another after $60,000 in yearly spending, and every fourth night free on stays paid with points
- Automatic Platinum Elite status, plus 15 Elite Night Credits a year toward higher status and 2 more per $5,000 spent
Pros
- Platinum with no spending requirement, while the personal IHG One Rewards Premier gives Gold until you spend $15,000 a year
- At NerdWallet’s value of 0.6 cent per point, a free night at a 50,000-point hotel worth about $300, $100 more than the fee
- 5X on social media and search engine ads, versus 3X on the personal Premier
- $25 IHG dining vouchers that expire each quarter, a yearly $100 credit for a flight of $250 or more bought from an airline through 2027, and up to $100 a year at Expensify
Cons
- $200 annual fee, versus $150 for the personal Premier
- From 2027, only flights bought from airlines and car rentals keep 5X among travel purchases, while other travel and office supply stores drop to 3X
- Diamond status from spending starts only in 2027 and takes $50,000 a year, versus $40,000 on the personal Premier
It’s worth the fee for a business that sends people to IHG hotels several times a year, since Platinum adds a 60% points bonus on stays and upgrades when available. Otherwise the anniversary night is what matters, and the personal Premier includes it for $150.
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