IHG Premier Business

Earn up to 200,000 IHG One Rewards points split across two tiers: 140,000 points after spending $4,000 in the first 3 months, then an additional 60,000 points after reaching $9,000 total in spend within the first 6 months. Both spending thresholds must be met within their respective windows.

You can earn up to 26 total points per $1 spent at IHG Hotels and Resorts. This combined rate stacks your card's base earning, your IHG One Rewards membership bonus, and your elite status tier bonus. Actual totals vary depending on your status level and room rate type.

Earn 5 points per $1 on travel, gas stations, restaurants, and select advertising purchases. This covers a broad range of everyday business expenses including airfare, non-IHG hotels, fuel, and dining. Check your card agreement for the specific merchant categories that qualify for advertising.

Earn 5 points per $1 at office supply stores and on social media and search engine advertising spend. This includes qualifying ad purchases on platforms such as Google and Meta when charged directly to your card. Eligible merchant categories are determined by the card network.

Every purchase that doesn't qualify for a higher bonus category earns 3 points per $1 spent. This rate applies automatically with no enrollment needed and covers all general spending not tied to IHG stays, travel, dining, gas, or advertising.

Cardholders can activate a complimentary 3-month Instacart+ membership, which removes delivery fees on eligible orders and lowers service fees. Activate through your card benefits portal before December 31, 2027, to take advantage of this offer.

Charge your Global Entry ($120), TSA PreCheck, or NEXUS application fee to your card and receive a statement credit covering the full cost. The credit posts automatically after the charge appears. One application fee is covered per credit cycle.

Get a $10 statement credit each month when you use your card for Instacart purchases, worth up to $120 per year. Credits are applied automatically but do not roll over — any unused portion of a monthly credit expires at the end of that month.

Earn up to $50 in United TravelBank cash each year to put toward United-operated flights. To receive this benefit, link your IHG Premier Business card to your United MileagePlus account. The credit resets annually and must be used through TravelBank for United bookings.

Every year after your account anniversary, you receive a free night certificate redeemable at IHG properties priced at up to 40,000 points per night. Book through IHG.com or the IHG app and apply the certificate at checkout. Use it within 12 months or it expires.

Spend $60,000 on purchases in a calendar year and earn a second free night certificate valid at IHG properties priced up to 40,000 points per night. This is separate from your anniversary free night and must be used before it expires.

After spending $20,000 on purchases in a calendar year, you receive a $100 statement credit and 10,000 bonus IHG One Rewards points. This reward posts automatically once you cross the threshold and is available once per calendar year.

Each year on your card anniversary, you receive a free night certificate valid at IHG properties priced up to 40,000 points per night. It can be used at a wide range of IHG brands worldwide, and you can add extra points to book properties that cost more than 40,000 points.

When you book a points-only award stay of four or more consecutive nights, every fourth night is automatically free. There is no limit on how many times you can use this benefit, and it stacks — so an eight-night stay gets two nights free. The stay must be paid entirely with IHG points.

Simply holding the card grants you IHG One Rewards Platinum Elite status — no qualifying nights or spending required. You'll receive a 60% points bonus on paid stays, space-available room upgrades, and a welcome amenity at check-in. Status continues as long as you keep the card open.

Spend $40,000 on purchases in a calendar year to earn IHG One Rewards Diamond Elite status, the program's top tier. Diamond benefits include lounge access at select properties, enhanced room upgrades, and a higher base points earn rate on stays. Status is awarded for the rest of the calendar year.

When you charge a business car rental to your card and decline the rental agency's collision coverage, you get primary collision damage waiver protection. Primary coverage means claims are handled through your card benefit first, without involving your personal auto insurance policy.

Eligible new purchases made with your card are automatically protected against theft or damage for 120 days from the purchase date. No enrollment is needed — coverage applies at the time of purchase. Refer to your card benefits guide for per-claim and annual dollar limits.

There are no foreign transaction fees on any purchases made outside the U.S. or billed in a foreign currency. This applies to both in-person and online international transactions, making the card a cost-effective option for business travel abroad.