I Used the IHG Business Card’s Welcome Offer for a Luxury Bali Resort Stay

I don’t stay at IHG hotels nearly as often as I do Hyatt, Hilton, or Marriott properties, but I’ve kept the IHG One Rewards Premier Credit Card in my wallet for nearly a decade. I recently opened an IHG One Rewards Business Credit Card, which offers additional perks, including an annual free night certificate.

Here’s a look at the IHG Business card and how I used its massive welcome bonus offer to book 4 nights during my May 2026 stay at the InterContinental Bali Sanur Resort.

IHG Business Card Overview

The IHG Business card is a solid rewards card for business owners who frequent IHG hotels.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

The New IHG One Rewards Business Credit Card

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 Business card is good for business travelers who regularly stay at IHG hotels.

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The New IHG One Rewards Business Credit Card

The IHG Business card is good for business travelers who regularly stay at IHG hotels.

Welcome Offer

Earn 190,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

190,000 points

UP's Offer Valuation*:

$950

Annual Fee

$200

APR

19.24% - 27.74% Variable

Credit Recommended

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 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.

Pros & Cons

Pros

• 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

Cons

• $200 annual fee
• Does not earn transferable rewards

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Card Highlights

• 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^®
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

The card earns up to 26 total IHG One Rewards points per $1 spent when you stay at IHG properties, 5 points per $1 spent on flights booked directly, car rentals, dining, select advertising, and gas, and 3 points per $1 spent on all other purchases.

The IHG Business card offers several other benefits, including automatic IHG Platinum Elite status, which provides perks such as late checkout, complimentary room upgrades, and a welcome amenity.

Cardholders also benefit from free fourth consecutive nights on award stays, a perk that has saved me hundreds of thousands of IHG points over the years. Arguably the most valuable perk of the IHG Business card is its 50,000-point free-night certificate, awarded on every cardmember anniversary.

The IHG Business card also has a solid welcome offer:

• Earn 190,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

Though this is still a valuable welcome offer, I personally took advantage of the now-expired 200,000-point welcome offer.

What Are IHG One Rewards Points Worth?

IHG One Rewards points can be extremely valuable when redeemed strategically. At Upgraded Points, we currently value IHG One Rewards at 0.5 cents each, making the IHG Business card‘s current welcome offer worth at least $950 toward IHG hotel stays.

Of course, how you redeem the points ultimately determines how much value you get. Generally speaking, the greatest value comes from taking advantage of the fourth consecutive free night perk. With this perk, you can get every fourth night free on standard room reward stays of 4 nights or longer.

How I Redeemed IHG Points at the InterContinental Bali Sanur Resort

I used the points I earned from my welcome offer to book a 4-night stay at the InterContinental Bali Sanur Resort.

Booking the InterContinental Bali Sanur Resort

As part of our yearlong trip abroad, my wife and I decided to spend roughly a month in Bali, Indonesia. Though we intended to spend most nights in Airbnbs, we also wanted to stay at a few hotels across the island.

After earning the IHG Business card welcome offer, I thought Bali would be the perfect place to use my rewards. Though Bali is regarded as a world-class destination, hotel rates are quite reasonable.

Since we weren’t sure how long we wanted to stay at the InterContinental Bali Sanur Resort, we decided to book 4 nights to take advantage of the fourth-night-free perk on the IHG Business card. We booked a 1 King Junior Suite Garden View room, which the property considers a standard room.

Our 4-night stay, including the free night, totaled 117,000 IHG One Rewards points, which, according to our valuations, is worth about $585.

For the same dates, the cash rate would have cost us roughly $958, including taxes and fees.

That redemption gave me a respectable 0.81 cents per IHG One Rewards point, significantly higher than our current valuation of IHG points.

InterContinental Bali Sanur Resort Junior Suite

I booked a standard room — a 1 King Junior Suite Garden View — which was quite large, though it had an interesting layout.

The room’s king-size bed was placed directly in the center of the room, rather than against any wall. This created a bunch of empty space behind the bed, but the bed was still exceptionally comfortable and had high-quality linens. 

There was a small lounging sofa at the foot of the bed and a compact workstation to the left. The room’s television was mounted above the corner workstation. Unfortunately, the placement resulted in poor viewing angles.

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The bed's placement in the middle of the room was unusual.

The suite featured an entirely separate outdoor area, connected through sliding doors. The outdoor space was massive and larger than entire rooms at many other hotels I have stayed at. That space provided a nice sense of separation and a place to relax and unwind.

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I loved the design of the bathroom.

The suite’s bathroom was equally inviting and spacious, with a deep soaking tub and separate doors for the toilet and walk-in shower.

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The hotel staff arranged a heart towel display and wrote out "Happy Anniversary" on the bed.

The hotel staff went above and beyond to ensure we had a wonderful stay. I mentioned that my wife and I were coming for a special celebration, and the staff prepared our room accordingly, including a towel display, a complimentary dessert, and some seasonal fruit.

InterContinental Bali Sanur Resort Amenities

As expected of a luxury hotel in a premier destination, the InterContinental Bali Sanur Resort had plenty of amenities for guests, including a full-service spa, a 24-hour fitness center, a kids club, numerous meeting and event spaces, and several swimming pools, including a rooftop infinity swimming pool.

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The property's infinity swimming pool.

The resort grounds felt massive. Even with plenty of guests on the property, the hotel never felt crowded. That stood out to me, as several other Bali resorts I’ve visited felt much busier.

Final Thoughts

The IHG Business card is a fantastic hotel rewards card for frequent IHG guests. Between the card’s complimentary Platinum Elite status and the 50,000-point free-night certificate each anniversary year, I believe it’s a card worth keeping for the long term.

The welcome offer alone can also provide meaningful value. My recent redemption at the luxurious InterContinental Bali Sanur Resort in Bali, Indonesia, saved me nearly $1,000 compared to paying cash.