IHG One Rewards Business Credit Card (formerly Premier Business)
By Alex Compton · Last verified
Platinum status, a 50k anniversary night and a second one at $60k of spend, on the business side.
Welcome Bonus
190,000
≈$1,140 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$200
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: Launch offer: 190,000 points after $5,000 in 3 months, plus 10,000 points for adding an employee card in 3 months
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Strong offerThe current 190k beats this card's typical offer of 175k. The all-time high is 200k, so a bigger number has appeared before, but you are getting an above-average deal today.
Current offer
190k
All-time high
200k
Typical offer
175k
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 190,000 | $5,000 in 3 mo | Bonus increased: 140,000 → 190,000 · Spend: $4,000 → $5,000Launch offer: 190,000 points after $5,000 in 3 months, plus 10,000 points for adding an employee card in 3 months | Chase IHG One Rewards Business Credit Card product page → |
| 2026-05 | 140,000 | $4,000 in 3 mo | Bonus decreased: 200,000 → 140,000 · Spend: $9,000 → $4,000 · Window: 6 months → 3 months | Archive record · no attached snapshot |
| 2026-02 | 200,000 | $9,000 in 6 mo | Bonus increased: 175,000 → 200,000 · Spend: $4,000 → $9,000 · Window: 3 months → 6 monthsAll-time high: 140k + 60k more, ended April 2026 | Archive record · no attached snapshot |
| 2024-08 | 175,000 | $4,000 in 3 mo | Bonus increased: 140,000 → 175,000 · Spend: $3,000 → $4,000 | Archive record · no attached snapshot |
| 2022-10 | 140,000 | $3,000 in 3 mo | Earliest recordLaunch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Renamed IHG One Rewards Business; $200 fee; 190k launch offer after $5k/3mo; new 5x categories, 50k anniversary night and credit stack; apply URL moved
Fields: name, annualFee, currentOffer, earningRates, credits, benefits, applyUrl
Chase IHG One Rewards Business Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 10xIHG hotels and resortsUp to 26x total with member earn and Platinum Elite status
- 5xFlights booked directly, car rentals, dining, select advertising and gas stations
- 3xAll other purchases
Credits ($420/yr stated)
- IHG food and beverage reward$100
$25 voucher each quarter
- Airline statement credit$100
After $250 on flights bought directly with the airline each calendar year, through 12/31/2027
- Expensify credit$100
- Instacart credit$120
$10 a month; ends 12/31/2027
Benefits
- ✦Anniversary free night with a 50,000-point cap, plus a second after $60,000 of annual spend
- ✦Fourth night free on award stays of 4+ nights
- ✦Automatic Platinum Elite status, Diamond after $50,000 of annual spend starting 2027
- ✦15 Elite Night Credits each year, plus 2 per $5,000 spent and 5 more at $25,000
- ✦20,000 bonus points after $25,000 of spend each calendar year
- ✦Global Entry, TSA PreCheck or NEXUS credit up to $120 every 4 years
- ✦Complimentary DashPass for a year and up to $10 a month in DoorDash non-restaurant promos
- ✦Does not appear on personal credit report
Why it earns its spot
- +50k anniversary night plus Platinum status can outvalue the $200 fee
- +Stacks with the personal Premier for a second night and second bonus
- +Doesn't add to your 5/24 count
Where it costs you
- −Annual fee rose to $200
- −IHG points are a low-value currency
- −The 190k bonus needs $5,000 in 3 months
The Compound Verdict
If the personal IHG Premier already earns its keep for you, this is the same trade on a second card, now at $200: a 50k free night, Platinum status and a credit stack out. The 190k launch offer is a strong entry point.
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