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Earn 190,000 Bonus Points after spending $5,000 in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an employee card to your account in the first 3 months from account opening
Full benefits & perks
- Free anniversary night each year (up to 50,000 points, can be topped off with additional points)
- Second free anniversary night after spending $60,000 in a calendar year
- Fourth reward night free when you redeem points for a consecutive four-night IHG stay
- NEW! Up to $100 in annual Food and Beverage Rewards at IHG hotels - Enjoy a $25 Food and Beverage Reward voucher quarterly to redeem at IHG Hotels
- NEW! $100 Airline Statement Credit - When you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27
- NEW! Up to $100 in statement credits for Expensify purchases each calendar year
- NEW! Get 15 Elite Night Credits (ENC) on your account opening and at the start of each calendar year, providing a head start towards a Milestone Reward and your next status tier
- NEW! Earn 2 Elite Night Credits (ENC) for every $5,000 spent on purchases with your IHG One Rewards Business Card
- NEW! Earn an additional 5 Elite Night Credits (ENC) after you spend $25,000 on purchases each calendar year. These 5 ENC are in addition to the 2 ENC you receive for every $5K you spend on your card
- Get one-year complimentary DashPass by DoorDash, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
- Get up to $10 off monthly on groceries, everyday essentials, and more on DoorDash through Dec 31, 2027 as long as you remain enrolled in your Chase DashPass membership. Only for enrollees who sign up for this Chase DashPass membership on or after Sep 1, 2026.
- Receive a statement credit of up to $120 every four years for the application fee of Global Entry, TSA PreCheck® or NEXUS when charged to your Card
- Complimentary IHG One Rewards Platinum Elite status: includes early check-in, late checkout, room upgrades, and 60% bonus points on IHG stays (subject to availability)
- Path to Diamond Elite status after spending $50,000 in a calendar year
- 20,000 bonus points after spending $25,000 in a calendar year
- Does not count toward Chase's 5/24 rule
- No foreign transaction fees
Credit card information was independently collected and not reviewed or provided by the issuer.
My thoughts
This is the business version of the IHG Premier, and it's a strong one if you have a side hustle or small business and already stay at IHG properties. The annual free night is good for a stay worth up to 50,000 points, and you can top it off with points for a nicer hotel. You also get automatic Platinum Elite status, 15 Elite Night Credits right away and 15 more every year, and the fourth night free on award stays. It comes with credits for Food and Beverage Rewards, airline purchases, Expensify, and Instacart. The fee is now $200, so it's worth running the numbers before you apply. The credits are great, but they only help if you will actually use them. If you stay at IHG a few times a year, the free night and credits can more than cover the fee. And since it's a business card, it won't count toward your 5/24 number, so it's a great way to add IHG points without using up a personal card spot.
How to use your points
IHG One Rewards points are best used for free hotel nights at IHG properties. Here are the best ways to use them:
- Book free nights at Holiday Inn, Holiday Inn Express, Crowne Plaza, Kimpton, InterContinental, Hotel Indigo, and more
- Use the fourth night free perk — pay points for 3 nights and get the 4th free on consecutive award stays
- Use your annual free night certificate + top it off with points to book a higher-category property
- Use Points & Cash awards to stretch your stash further
Similar to the personal Premier card, but a slightly higher fee and won't count toward 5/24.
- Doesn't count toward Chase's 5/24 rule — keep those personal card spots open
- Many benefits help offset the slightly higher fee
- Best for business owners or side hustlers who already stay at IHG properties
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.