Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
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IHG One Rewards Premier Business Credit Card
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Pros & Cons
Pros
- Low annual fee
- Automatic Platinum Elite Status
- Free night after each account anniversary, and an additional free night when you book four consecutive nights at an IHG hotel
- 20% off when buying IHG points, and up to $50 in United Airlines TravelBank Cash each calendar year
Cons
- No introductory period
- High rates
- IHG points aren't worth as much as other credit card points
Rewards Summary
- Up to 26X per $1 spent at IHG Hotels and Resorts (10X points with this card, up to 10X points from IHG One for being an IHG One Rewards Member, and up to 6X points from IHG® with Platinum Elite Status, a benefit of this card)
- 5X per $1 spent on travel and hotels, gas stations, select advertising, and at restaurants
- 3X per $1 on everyday purchases
Additional Benefits
- Automatic Platinum Elite Status
- Redeem 3 consecutive nights, get 4th night free at IHG hotels
- Anniversary Free Night at IHG® Hotels & Resorts (with a current point redemption cap of 40,000 points)
- Global Entry, TSA PreCheck®, or NEXUS Statement Credit (up to $120) every four years as reimbursement for the application fee if charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® Hotels & Holiday Inn®
Offer History
Offer Dates
Offer Details
- Current Offer since May 2025Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
- Oct 2024 through Mar 2025Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
- Sep 2024 through Oct 2024Earn 140,000 bonus points after spending $4,000 in the first 3 months and an additional 60,000 bonus points after spending a total of $9,000 in the first 6 months.
- May 2024 through Sep 2024Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
- Apr 2024 through May 2024Earn 140,000 bonus points after spending $4,000 in the first 3 months and an additional 35,000 bonus points after spending a total of $7,000 in the first 6 months.
- Jun 2023 through Apr 2024Earn 140,000 Bonus Points after spending $3,000 in the first 3 months from account opening.
- Apr 2023 through Jun 2023Earn 165,000 Bonus Points after spending $3,000 in the first 3 months from account opening.
- Mar 2022 through Apr 2023Earn 140,000 Bonus Points after spending $3,000 in the first 3 months from account opening.
Recommended Credit
The recommended credit score for the IHG Premier Business is good to excellent.
Daily Drop 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.
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Written by: McKay Moffitt
Writer
Updated:Jul 3, 2026
Opinions expressed here are 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.
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.