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The New IHG One Rewards Business Credit Card: Full Review
Jarrod West
Jarrod West
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The IHG Business card is good for business travelers who regularly stay at IHG hotels.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The IHG One Rewards Business Credit Card is useful for small-business owners who often stay at IHG hotels and resorts.
This review covers the IHG Business card’s earning rates, benefits, fees, and more to help you decide whether it’s a good fit for your business travel expenses.
Card Details
Welcome Bonus & Info
Limited Time Launch Offer! Earn 190,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.
Earn up to 26X total points on stays at IHG Hotels and Resorts.
Earn 5X points on flights booked directly, car rental agencies, select advertising, at gas stations and restaurants. Earn 3X points per $1 spent on all other purchases.
Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
NEW! A $100 Airline Statement Credit each year when you spend at least $250 on flights purchased directly with the airline.
This card offers over $750 in value your first year!
Automatic Platinum Elite status as long as you remain a Business cardmember. Plus, enjoy 15 Elite Night Credits annually (new!).
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Kimpton®, Hotel Indigo®, Crowne Plaza®, EVEN® Hotels, & Holiday Inn®
Up to 26 total points per $1 spent on IHG properties
5 points per $1 spent on flights booked directly, rental cars, dining, gas stations, and select advertising
3 points per $1 spent on all other purchases
Automatic IHG Platinum Elite status, plus the ability to spend your way to Diamond Elite status
15 Elite Night Credits annually and 2 additional Elite Night Credits for every $5,000 spent on the card
Fourth night free on award stays
Free anniversary night certificate, plus the ability to earn a second free night after spending $60,000 on the card in a calendar year
Up to $100 food and beverage reward at IHG properties each year ($25 per quarter)
Up to $100 annual airline statement credit when you spend at least $250 on qualifying flight purchases
Up to $100 annual statement credit for Expensify purchases
Global Entry, TSA PreCheck, or NEXUS statement credit
Trip cancellation and interruption insurance
Purchase protection
30% discount on IHG point purchases
Cons
$200 annual fee
Does not earn transferable rewards
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Great Card If
You’re a business owner who regularly stays at IHG hotels.
You want a card that offers you perks on IHG stays, like automatic elite status.
You know you can easily get more value from the card than the annual fee you’d pay.
Don’t Get If
You don’t stay at IHG hotels.
You prefer a card with no annual fee.
You want a card that earns transferable rewards.
IHG Business Card: Is It Worth It?
The IHG One Rewards Business Credit Card can be worth it for business owners who often stay at IHG hotels. The card earns up to 26x total points at IHG Hotels and Resorts, 5x on flights booked directly, car rentals, dining, gas stations, and select advertising, and 3x on all other purchases.
Cardholder benefits add value, including automatic IHG Platinum Elite status that offers room upgrades, welcome amenities, and early check-in and late checkout, when available.
It also offers afourth night free on award stays, up to $100 in annual food and beverage rewards at IHG properties ($25 per quarter), up to $100 in annual airline statement credits on qualifying flight purchases, up to $100 in annual statement credits for Expensify purchases, and an annual free night.
The value of the benefits can offset the card’s $200 annual fee.
IHG Business Card Top Benefits
Automatic Platinum Elite Status
With your IHG Business card, you receive IHG One Rewards Platinum Elite status as a benefit of holding the card. Without the card, you’d need to stay 40 qualifying nights or earn 60,000 qualifying points each year to qualify for this status level.
Platinum Elite status includes the following perks:
60% bonus points earned on IHG stays
Priority check-in and extended checkout
Complimentary room upgrades
Welcome amenity
The 60% bonus increases the number of points earned during IHG stays from 10 points per $1 to 16 points per $1.
When you use your IHG Business card to pay for your stay, you earn another 10 points per $1 spent, bringing your total to 26 points per $1 on all of your IHG Hotels and Resorts — or a 13% return, based on our points and miles valuations.
The card gives you a path toward top-tier Diamond Elite status if you spend $50,000 on the card in a calendar year instead of staying 70 qualifying nights.
Fourth Night Free on Award Stays
One of the best benefits of the IHG Business card is that it gives you the ability to get your fourth night free on all award stays. This perk alone effectively gives you a 25% discount on all of your 4-night IHG award stays and can lead to massive savings in points if you book multiple award stays each year.
Anniversary Free Night Certificate
Each year on your account anniversary, you receive a free night certificate valid for a free night at any IHG hotel that costs up to 50,000 points per night.
For most cardholders, this benefit can offset the card’s $200 annual fee.
You can earn an additional free night certificate after spending $60,000 on the card each calendar year.
Statement Credits
Each year, cardholders get up to $100 in food and beverage rewards redeemable at IHG properties ($25 per quarter), up to $100 in airline statement credits when you spend at least $250 on qualifying flight purchases, and up to $100 in statement credits for Expensify purchases.
Elite Night Credits
Cardholders receive 15 Elite Night Credits each calendar year and can earn 2 additional Elite Night Credits for every $5,000 spent on the card.
Discount on Purchased Points
Need to top off your point balance in order to book an award stay? Using your IHG Business card to purchase IHG One Rewards points gives you a 30% discount when doing so.
Card Protections
With your IHG Business card, you also receive the following card protections:
Trip cancellation and interruption insurance: If your trip is canceled or cut short by a covered event, you can be reimbursed up to $1,500 per person and $6,000 per trip for nonrefundable travel expenses.
Purchase protection: Items purchased with your card are covered for 120 days from the date of purchase against damage or theft, for up to $500 per item.
How To Earn and Redeem IHG One Rewards Points
Staying with IHG and making purchases with your IHG Business card are good ways to earn IHG One Rewards points. Read our guide to more great ways to earn IHG One Rewards points.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
Earn 70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.
70,000 points
Up to $980
$199
19.49% - 27.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card
Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.
Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
2x points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
2x points per $1 spent on fitness club and gym memberships.
Cons
$199 annual fee
Bonus categories and benefits are very similar to the personal card
70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.
Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Cardholders receive automatic Hyatt Discoverist status, up to $100 in Hyatt statement credits, access to the Hyatt Leverage program, and 5 elite qualifying night credits for every $10,000 spent on the card.
Ink Business Preferred® Credit Card
The Ink Business Preferred card earns flexible, transferable rewards on small-business purchases.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
100,000 points
$2,000
$95
17.99% - 26.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros & Cons
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
The card earns 3 points per $1 spent on the first $150,000 in combined purchases in travel, shipping, advertising purchases made with social media sites and search engines, and internet, cable, and phone service purchases.
Since the card earns Chase Ultimate Rewards points, you can transfer points to Chase transfer partners.
The card also offers benefits including travel and purchase protection, cell phone insurance, and employee cards at $0 additional cost.
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