IHG One Rewards Premier Business Credit Card
Issued by Chase
$220/year in trackable credits — never leave money on the table
Earning Categories
Current Welcome Bonus
200,000 IHG One Rewards points. Lifetime language removed.
Year 1 net value: $-89 (bonus − annual fee)
Bonus Tiers
140,000 points after $4,000 spend in three months
60,000 points after $9,000 spend in six months
Statement Credits
$100 statement credit after spending $20,000 annually
Up to $120 Global Entry/TSA PreCheck statement credit (every 4 years)
Card Perks
Redeem 3 nights and get a 4th night free
Maximize Your IHG One Rewards Points
Program Overview
IHG One Rewards is the loyalty program for InterContinental Hotels Group, covering brands like InterContinental, Kimpton, Hotel Indigo, Crowne Plaza, Holiday Inn, and more. With 6,000+ properties worldwide, IHG offers massive global coverage. Key strengths: - Huge global footprint (6,000+ hotels across 19 brands) - 4th night free on reward stays of 4+ nights - Points transfer from Chase UR and Bilt at 1:1 - Milestone Rewards at higher elite tiers (free night certificates) - Dynamic pricing but with reasonable rates at many properties - Elite status (Silver, Gold, Platinum, Diamond) with good upgrade benefits
Earning Tips
Card stacking strategy: Chase co-brand cards: - IHG One Rewards Premier: 26x at IHG, 5x dining/gas/travel, 3x everything else; Platinum Elite status - IHG One Rewards Traveler: 17x at IHG, 3x dining/gas, 1x everything else; no annual fee - IHG One Rewards Premier Business: 26x at IHG, 5x on travel/dining/gas, 3x everything else Key tips: - Premier card gives automatic Platinum Elite status - 26x earning at IHG properties is one of the highest hotel card earn rates - Annual free night certificate on Premier card (up to 40,000 pts value) - Stack with Chase Sapphire for non-IHG spending - IHG Rewards Club shopping portal for bonus online earning
Redemption Tips
Best redemption values: 4th night free (key benefit): - Book 4+ nights and the 4th night is free (25% savings) - Plan stays around 4-night blocks for maximum value - Works at all properties with reward availability Sweet spots: - Holiday Inn Express/Holiday Inn: 15,000-25,000 pts/night for reliable stays - International properties: Often great value in developing markets - InterContinental during off-peak: Luxury at reduced point prices - Kimpton hotels: Boutique experience at moderate point prices PointBreaks / last-minute deals: - IHG occasionally offers reduced-rate awards at select properties - Check for promotions before booking at standard rates Free Night Certificates: - Premier card annual certificate (up to 40,000 pts value) - Use at the highest-value property within the cap - Milestone rewards at Diamond tier include additional certificates Avoid: - High-category properties during peak when point prices spike - Converting points to airline miles (poor value) - Paying cash + points when full point redemption or full cash is better
Transfer Strategy
Inbound transfers: - Chase Ultimate Rewards: 1:1 - Bilt Rewards: 1:1 - Marriott Bonvoy: Points cannot transfer to IHG Strategy tips: - Chase UR at 1:1 is the primary transfer route (but Hyatt usually offers better value) - Bilt also transfers 1:1 - Only transfer to IHG when Hyatt doesn't have what you need - IHG point values are typically 0.5-0.7 cpp; transfer when hotel costs justify it - Compare IHG award price vs. booking Hyatt or using Chase portal at 1.5x
Milestones & Bonuses
Anniversary Free Night (up to 40,000 points annually)
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