The IHG One Rewards Business Credit Card is Chase’s current IHG business card. As of October 16, 2026, Chase lists a $200 annual fee and a new-cardmember offer of 190,000 bonus points after $5,000 in purchases in the first 3 months.
On that date, the older Premier Business URL, creditcards.chase.com/business-credit-cards/ihg/business-premier, redirected to this page. The consumer counterpart at $150 is the IHG One Rewards Premier Credit Card. A $199 hotel business card in another program is the World of Hyatt Business Credit Card.
What the product is structurally
The IHG One Rewards Business Credit Card is a revolving business credit card. Points transfer to the IHG One Rewards account after each billing cycle. Chase’s page uses Mastercard trademarks. It does not describe the card as a Visa.
The card pays 10 points per $1 at participating IHG hotels, 3 points per $1 on other purchases, and 5 points per $1 in the categories below. Automatic status is Platinum Elite while the account remains this business card and the IHG membership stays in good standing. Chase markets up to 26 total points per $1 at IHG hotels: 10 from the card, up to 10 from membership, and up to 6 from Platinum Elite. Candlewood Suites and Staybridge Suites use a lower member base. Stay points post to IHG, not to the Chase statement.
How it works in practice
The October 16, 2026 earn schedule has a date split.
Through December 31, 2026, purchases that post by that date earn 5 points per $1 on travel other than IHG hotels, and on office supply stores. Gas stations, dining, and social media and search engine advertising also earn 5 points per $1, without that end date.
From January 1, 2027, the 5-point travel rate is limited to airline tickets bought directly from the airline and to car rental agencies. Other travel, and office supply stores, earn 3 points per $1. Gas, dining, and social media and search engine advertising stay at 5 points per $1. Merchant delays can push a purchase past December 31, 2026.
The first employee card added in the first 3 months earns 10,000 bonus points, once. The business and the authorizing officer are responsible for employee-card charges.
Each account anniversary includes one free night at a redemption level of 50,000 points or less, for a standard room night and tax. The cardmember can add points above that level. The stay must be finished within 12 months of issue. A second free night, with the same 50,000-point cap, follows $60,000 in purchases in a calendar year.
On a reward stay of four or more consecutive nights at the same hotel, every 4th night costs 0 points. The rule does not apply to paid stays or Points & Cash.
Fees and pricing mechanics
The annual fee is $200 on the October 16, 2026 page. Chase lists a variable APR of 19.49% to 27.99%. The same page has a heading for no foreign transaction fees.
Other published amounts:
- One $25 food-and-beverage voucher each calendar quarter, up to $100 a year, expiring at the end of the issuing quarter. Army hotels, select Six Senses locations, Iberostar Beachfront Resorts, Royal Resorts by Holiday Inn Club Vacations, and InterContinental Alliance Resorts in Macau are excluded.
- A $100 statement credit once per calendar year after at least $250 on flights booked directly with the airline, through December 31, 2027.
- Up to $100 in statement credits per calendar year on purchases made directly with Expensify.
- Up to $120 every four years for a Global Entry, TSA PreCheck, or NEXUS fee charged to the card.
- At least 30% off IHG points purchases charged to this card, not combinable with another points offer.
Limits, eligibility, and availability
This is a U.S. small-business card, subject to credit approval. The new-cardmember bonus requires the account to be open and not in default when the points are fulfilled. Chase allows 6 to 8 weeks for the bonus to post.
Platinum Elite is automatic. It is not a spend threshold. Diamond Elite is. Starting January 1, 2027, $50,000 in purchases in a calendar year qualifies the primary cardmember for Diamond Elite for the rest of that year and the following calendar year. Only one IHG card account per member is eligible for that Diamond award.
Elite night credits: 15 at opening, within 6 to 8 weeks, and again by February 1 each calendar year; 2 more for every $5,000 in purchases, with no stated cap; and 5 more, plus 20,000 bonus points, after $25,000 in a calendar year.
The anniversary night and the $60,000 free night are not cash, are not transferable, and can be unavailable when allocated rooms are gone. The cardmember pays resort fees and incidentals.
Tradeoffs, risks, or limitations
The live card is not the older Premier Business offer that listed a $99 annual fee, a 40,000-point anniversary night, and a 140,000-point bonus after $4,000 in spend. Those figures are not on the page the old URL now opens.
The 5-point rate on general travel and office supplies ends for purchases that post after December 31, 2026. Advertising that is not social media or search engine advertising is outside the 5-point line.
Diamond Elite does not start as a spend benefit until January 1, 2027, and it requires $50,000 in that calendar year. The extra free night requires $60,000.
Food-and-beverage vouchers expire quarterly. The airline credit ends as a published benefit after December 31, 2027 and requires a $250 direct-airline purchase. Welcome offers on Chase pages change by channel and date.
