IHG One Rewards Business Card
| Annual fee | $200 Fact |
| Foreign transaction fee | None |
| Rewards currency | IHG One Rewards points |
| Est. point value | 0.60¢ Estimate |
Last updated Oct 23, 2026
Checked Oct 29, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 200,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Jun 2023 · 19 mo | 140,000 points | $3,000 |
| Jun 2023 to Sep 2023 · 4 mo | 165,000 points | $3,000 |
| Sep 2023 to Apr 2026 · 2.5 yr | 140,000 points | $3,000 |
| Apr 2026 to Jun 2026 · 3 mo | 200,000 points Best | $9,000 |
| Jun 2026 to Sep 2026 · 3 mo | 140,000 points | $4,000 |
| Sep 2026 to Sep 2026 · 3 days | 140,000 points plus 10,000 bonus points after adding an employee card in the first 3 months from account opening | $4,000 |
| Sep 2026 to Sep 2026 · 6 days | 140,000 points plus 10,000 bonus points after adding an employee card to your account | $4,000 |
| Sep 2026 to Oct 2026 · 2 days | 140,000 points plus 10,000 bonus points for adding an employee card | $4,000 |
| Oct 2026 to Oct 2026 · 16 days | 190,000 points | $4,000 |
| Oct 2026 to Oct 2026 · 9 days | 190,000 points plus 10,000 bonus points for adding an employee card | $5,000 |
| Oct 2026 to now · 16 days | 190,000 points plus 10,000 bonus points after adding an employee card | $5,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 10x | IHG One Rewards points | No cap |
| Gas and EV charging | 5x | IHG One Rewards points | No cap |
| Restaurants | 5x | IHG One Rewards points | No cap |
| Travel | 5x | IHG One Rewards points | No cap |
| Office supplies | 5x | points | No cap |
| Advertising | 5x | points | No cap |
| Flights | 5x | n/a | No cap |
| Car rentals and cruises | 5x | n/a | No cap |
| Everything else | 3x | IHG One Rewards points | No cap |
Your elite status
Recurring credits
Estimated value| Receive one $10 credit per month in the Instacart App while maintaining an active Instacart+ membership through 12/31/2027. Shared across the account
|
$120/yr (Monthly) |
| Enjoy up to $100 in statement credits towards Expensify purchases each calendar year. Shared across the account
|
$100/yr (Calendar Year) |
| Receive a $25 Food and Beverage Reward voucher each calendar quarter (up to $100/year) to redeem for food and beverage charges at participating IHG Hotels & Resorts. Shared across the account
|
$100/yr (Quarterly) |
| Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card, by you or an authorized user. Shared across the account
|
$30/yr (one-time/annual) |
| Get a $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27. Shared across the account
|
$100 (Calendar Year) after $250 spend |
Credit value depends on whether you use each credit; treat these as potential value.
Certificates
Estimated value| Anniversary Free Night, up to 50,000 points Points can be added to book above the cap |
$300/yr |
| Free Night after $60,000 spend, up to 50,000 points Points can be added to book above the cap Must be redeemed within 12 months of issue. |
after $60,000 spend |
A free night is valued at its points cap and our points valuation. Certificates expire, so their value depends on using them in time.
Benefits & protections
Card factsAnniversary Free Night each account anniversary, valid at IHG Hotels with a redemption value of 50,000 points or less; add points from your IHG One Rewards account to book above that level. Must be redeemed within 12 months of issue.
As an IHG One Rewards Premier Business credit cardmember, you qualify for automatic IHG One Rewards Platinum Elite status for as long as you remain a cardmember.
Earn 2 Elite Night Credits for each $5,000 spent in purchases, with no limit on the number of ENCs that can be earned.
Receive 15 Elite Night Credits (ENC) within 6-8 weeks of account opening, then deposited again by February 1 each calendar year, toward IHG One Rewards Elite status and Milestone Rewards.
Starting January 1, 2027, qualify for IHG One Rewards Diamond Elite Status for the remainder of the year and the following year after spending $50,000 in purchases each calendar year.
Earn 5 Elite Night Credits after spending $25,000 on purchases each calendar year, counting toward IHG One Rewards Elite status and Milestone Rewards.
Qualify for 1 Free Night (redemption value of 50,000 points or less) after spending $60,000 with your card each calendar year; must be redeemed within 12 months of issue.
When you redeem points for a consecutive four-night IHG hotel stay, the 4th Reward Night is free at that same hotel during that stay.
Get one-year complimentary DashPass by DoorDash ($120 value), providing $0 delivery fees and lower service fees on eligible orders; automatically enrolled at the current monthly rate after. Activate by Dec 31, 2027.
DashPass members get up to $10 off quarterly on one qualifying non-restaurant DoorDash order through 12/31/2027.
Reimbursement up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short by covered reasons.
Covers eligible new purchases for 120 days from purchase against damage or theft, up to $10,000 per item.
Save at least 20% on points purchases when paying with your IHG One Rewards Premier Business Credit Card.
Earn 20,000 bonus points after spending $25,000 on purchases each calendar year.
Receive a complimentary 3-month Instacart+ membership when activated between 5/1/2025 and 12/31/2027; auto-renews at $99/year after.
Employee cards on the IHG Business
Card factsEmployee cards are free.
Each employee card gets
- Complimentary DashPass membership
- Purchase protection
- Trip cancellation and interruption insurance
Shared across the account
- $10 monthly instacart credit
- $100 airline statement credit
- Global entrytsa prechecknexus statement credit
- Up to 100 annual expensify statement credit
- Up to 100 in annual food and beverage rewards at IHG hotels
Primary cardmember only
- Anniversary free night
- Automatic platinum elite status
- Diamond elite status after annual spend
- Earn 2 elite night credits
- Earn 5 elite night credits
- Free night after annual spend
- Get 15 elite night credits
News on this card
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Oct 5, 2026IHG One Rewards Premier Business Credit Card: changes to welcome offer, benefits, and more
These 9 changes were announced together. Welcome offer changed: 140,000 points plus 10,000 bonus points for adding an employee card for $4,000 spend to 190,000 points for $5,000 s…These 9 changes were announced together. Welcome offer changed: 140,000 points plus 10,000 bonus points for adding an employee card for $4,000 spend to 190,000 points for $5,000 spend Before: Reward: points Bonus: 140,000 Spend required: $4,000 Within: 90 days Also includes: 10,000 bonus points for adding an employee card Now: Reward: points Bonus: 190,000 Spend required: $5,000 Within: 90 days Earn 2 Elite Night Credits added What is new: Name: Earn 2 Elite Night Credits Category: status benefit Spend threshold: $5,000 Details: Earn 2 Elite Night Credits for each $5,000 spent in purchases, with no limit on the number of ENCs that can be earned. Get 15 Elite Night Credits added What is new: Name: Get 15 Elite Night Credits Category: status benefit Details: Receive 15 Elite Night Credits (ENC) within 6-8 weeks of account opening, then deposited again by February 1 each calendar year, toward IHG One Rewards Elite status and Milestone Rewards. Resets: calendar year Diamond Elite Status After Annual Spend added What is new: Name: Diamond Elite Status After Annual Spend Category: status benefit Spend threshold: $50,000 Details: Starting January 1, 2027, qualify for IHG One Rewards Diamond Elite Status for the remainder of the year and the following year after spending $50,000 in purchases each calendar year. Resets: calendar year Earn 5 Elite Night Credits added What is new: Name: Earn 5 Elite Night Credits Category: status benefit Spend threshold: $25,000 Details: Earn 5 Elite Night Credits after spending $25,000 on purchases each calendar year, counting toward IHG One Rewards Elite status and Milestone Rewards. Resets: calendar year Up to $100 annual Expensify statement credit added What is new: Name: Up to $100 annual Expensify statement credit Category: statement credit Credit: $100 Details: Enjoy up to $100 in statement credits towards Expensify purchases each calendar year. Resets: calendar year $100 Airline Statement Credit added What is new: Name: $100 Airline Statement Credit Category: travel credit Credit: $100 Spend threshold: $250 Details: Get a $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27. Resets: calendar year Up to $100 in annual Food and Beverage Rewards at IHG hotels added What is new: Name: Up to $100 in annual Food and Beverage Rewards at IHG hotels Category: hotel credit Credit: $25 Details: Receive a $25 Food and Beverage Reward voucher each calendar quarter (up to $100/year) to redeem for food and beverage charges at participating IHG Hotels & Resorts. Resets: quarterly Flights earning rule added: 5.0x What is new: Category: Flights Rate: 5x Details: Earn 5X points on flights booked directly with the airline.
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