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Chase · rewards

IHG One Rewards Business Credit Card

4.3 / 5

IHG One Rewards points · Business card

The October 2026 relaunch doubled the annual fee to $200 but kept automatic Platinum Elite status and raised the anniversary night to 50,000 points. The 10x IHG earn rate and 4th-night-free redemptions still make it a strong pick if you book IHG properties for business travel.

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At a glance

Welcome bonus: 190,000 points; Spend $5,000 in 3 months
Annual fee: $200; Year-one and ongoing
Purchase APR: 19.49% to 27.99%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

190,000-point welcome bonus
10x points at IHG hotels, 5x on dining, gas and advertising
Automatic Platinum Elite status plus an anniversary free night

Cons

Annual fee doubled to $200 in October 2026
IHG points are worth less per point than major transferable currencies
No lounge access

Earnings

Earn rates

Category	Rate	Notes
IHG hotels	10x points	Up to 26x total with member base earning and the Platinum Elite bonus.
All travel	5x points	Travel and office supply stores through December 31, 2026. After that, only airline tickets and car rentals earn 5x.
Dining	5x points
Gas stations	5x points
Social media & search advertising	5x points
All other purchases	3x points

Benefits

Key benefits

Automatic Platinum Elite Status

IHG One Rewards Platinum Elite status, with Diamond Elite after $50,000 in yearly spending starting in 2027.

Anniversary Free Night

Get a free night each account anniversary at IHG properties worth up to 50,000 points.

Fourth Night Free

Redeem points for 3 consecutive nights and get the 4th night free at IHG hotels.

Food and beverage rewards

Up to $100 a year in IHG hotel dining vouchers, issued as $25 each quarter.

Instacart credit

A $10 monthly Instacart credit, up to $120 a year, through December 31, 2027.

Fit

Who this is best for

Small business owners who stay at IHG hotels
Teams that want free employee cards with elite status
Travelers chasing a low-cost path to hotel elite status

FAQ

Frequently asked questions

What is the IHG Business welcome bonus?

Earn 190,000 bonus points after spending $5,000 in the first 3 months, plus 10,000 more points for adding an employee card. The card also lists up to $750 in first-year benefits.

Does the IHG Business charge an annual fee?

Yes. The annual fee is $200 every year.

Does the IHG Business have a foreign transaction fee?

No. The IHG Business charges no foreign transaction fee, so it works well for international purchases.

What APR does the IHG Business charge?

The purchase APR is 19.49% to 27.99% variable.

Who is the IHG Business best for?

Small business owners who stay at IHG hotels. Teams that want free employee cards with elite status. Travelers chasing a low-cost path to hotel elite status.

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