IHG One Rewards Business Credit Card
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Pros & Cons
Pros
- Welcome Bonus: 190,000 points
- Up to 5x on gas & EV charging
- No foreign transaction fees
Cons
- High annual fee ($200/yr)
- No lounge access
- No purchase protection
Our Review
Unlock Premium Travel Benefits with the IHG One Rewards Business Credit Card
Welcome offer: earn 190,000 bonus points after spending $5,000 in the first 3 months, plus 10,000 points when you add an employee card.
The IHG One Rewards Business Credit Card (formerly Premier Business) carries a $200 annual fee. Its anniversary free night (up to 50,000 points) can outvalue that fee on its own. Plus, you’ll enjoy:
- Automatic IHG Platinum Elite status and 15 Elite Night Credits a year
- Fourth night free on award redemptions
- $100 airline credit and Global Entry/TSA PreCheck®/NEXUS credit up to $120 every 4 years
Cardholders earn up to 26 total points per $1 at IHG properties, 5 points per $1 on flights booked directly, car rentals, dining, select advertising and gas stations, and 3 points per $1 on all other purchases.
Terms from the issuer's page, read on October 20, 2026.
Rewards
All Spending
3x
IHG Rewards pts per dollar
Gas
5x
IHG Rewards pts per dollar
Restaurants
5x
IHG Rewards pts per dollar
Travel
5x
IHG Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
105,600
IHG Rewards/yr
Estimated Value
$1,056
After Fees
+$856
1st Year Value
$2,756
incl. welcome bonus
Breakdown
Perks & Benefits
NEXUS Credit
$120
Additional Benefits
- Automatic IHG One Rewards Platinum Elite status; 15 Elite Night Credits at account opening and each calendar year, plus 2 per $5,000 spent and 5 more after $25,000 in a calendar year.
- Diamond Elite status after $50,000 in purchases in a calendar year (from January 1, 2027).
- Anniversary Free Night each year with a redemption cap of 50,000 points, plus a second Free Night after $60,000 in purchases in a calendar year.
- $100 statement credit each calendar year after a purchase of at least $250 on flights booked directly with the airline (through 12/31/27).
- Up to $100 a year in Expensify statement credits.
- Up to $120 statement credit every four years for the Global Entry, TSA PreCheck or NEXUS application fee.
Fees and interest rates
- Annual Fee$200
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Welcome offer: earn 190,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening, plus 10,000 bonus points after you add an employee card in the first 3 months.
- Enjoy an Anniversary Free Night (redemption cap of 50,000 points) at IHG Hotels & Resorts, plus a second Free Night after $60,000 in purchases in a calendar year. Fourth reward night free on consecutive four-night award stays.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 on flights booked directly, car rentals, dining, select advertising and gas stations. Earn 3 points per $1 on all other purchases
- Automatic Platinum Elite status, plus 15 Elite Night Credits each year; Diamond Elite status after $50,000 in purchases in a calendar year (from January 1, 2027)
- $100 airline statement credit each year after $250 on flights booked directly with the airline, up to $100 in Expensify credits, and up to $120 for Global Entry, TSA PreCheck® or NEXUS every 4 years
- $200 annual fee. No foreign transaction fees.
- Member FDIC
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.
