April 14, 2025: IHG and Chase are currently running a welcome offer on the IHG One Rewards Premier Business Credit Card that you can leverage to earn 200k bonus points. Chase is advertising this as the best-ever offer, and that checks with the data we’ve collected on historical offers on this card. Here are the best current offers on the IHG credit cards.
Best IHG new cardmember offers
 IHG One Rewards Traveler Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. IHG One points expire after a short 12 months of inactivity. This card can be a good option if you are looking to keep your points alive and pay no annual fees. |
 IHG One Rewards Premier Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. Very similar to the business variant of the card, but usually offers a large sign-up bonus. |
 IHG One Rewards Premier Business Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. While this card is very similar to the IHG One Rewards Premier Credit Card, it adds a few bonus categories relevant to business owners. |
My take: Massive business card offer. Get it now.
The welcome offer on the IHG One Rewards Premier Business Credit Card is the best-ever offer on this card. And if you were thinking of getting an IHG credit card, now is a great time to jump on that offer.
But I will add a note of caution if you are planning on keeping the card long-term. Since the Premier and Premier Business cards give you a free night each cardmember anniversary year after your first year, the timing of your IHG card applications can be important. Both cards’ free night certificates are awarded based on the account anniversary year and expire within 12 months from date of issue.
Timing your application can be especially important if you don’t travel often. For example, if you take only one trip per year in March, getting the account in February may not be a great idea—you’ll receive your annual certificate shortly before your trip, meaning you might not be able to use it. This becomes less of an issue if you’re traveling often and have more options to use your certificates during the year.
IHG One Rewards Traveler Credit Card
When to pick this card: Generally, we wouldn’t recommend picking this card. The other cards typically have a much larger sign-up bonus and are better for people who stay at IHG hotels. The IHG One Rewards Traveler Credit Card is more attractive as a downgrade option if you want to keep your IHG points from expiring and not pay an annual fee.
Sign-up bonus: bonus_miles_full
Learn how to apply.
IHG One Rewards Traveler Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
You probably don’t want to get the IHG One Rewards Traveler Credit Card if you actively stay at IHG hotels, but it can be an attractive downgrade option if you want a no-annual-fee card that can keep your IHG points from expiring.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as IHG One Rewards points.
Rewards
- 5x points on stays at IHG® Hotels and Resorts
- 3x on dining.
- 3x on utilities.
- 3x on select streaming services.
- 3x at gas stations.
- 2x on all other purchases.
Rewards are earned IHG One Rewards points.
Benefits
IHG® Hotels and Resorts benefits
- Silver Elite Status.
Earn Gold Elite Status when you make purchases of $20,000 or more in a calendar year. - Save 20% on Rewards Points Purchases.
- Early Access to IHG Reward Night Sales.
Consumer insurance benefits
- Purchase Protection.
Travel insurance benefits
- Baggage Delay Insurance.
- Lost Luggage Reimbursement.
- Trip Cancellation and Interruption Insurance.
IHG One Rewards Premier Credit Card
When to pick this card: The IHG One Rewards Premier Credit Card is probably the best card to pick if you stay at IHG properties and want to keep the card long-term or if you plan to downgrade to the no-annual-fee IHG One Rewards Traveler Credit Card. The card has similar point earnings at IHG hotels, but better travel insurance benefits than the business variant of the card.
Sign-up bonus: bonus_miles_full
Learn how to apply.
IHG One Rewards Premier Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The IHG One Rewards Premier Credit Card is the card you want if you actively stay at IHG hotels, since it earns twice as many points as the lower-tier card with no annual fee. The card also comes with an anniversary free night.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as IHG One Rewards points.
Rewards
- 10x points on stays at IHG® Hotels and Resorts
- 5x on travel.
- 5x on dining.
- 5x at gas stations.
- 3x on all other purchases.
Rewards are earned IHG One Rewards points.
Benefits
IHG® Hotels and Resorts benefits
- Platinum Elite Status
Earn Diamond Elite Status when you make purchases of $40,000 or more in a calendar year. - Anniversary Free Night
Earned on your cardmember anniversary each year, starting 12 months after your account open date. - Earn a $100 statement credit and 10,000 bonus points
after spending $20,000 each calendar year. - Redeem 3 nights, get 4th night free.
- Save 20% on Rewards Points Purchases.
- Early Access to IHG Reward Night Sales.
Consumer insurance benefits
- Purchase Protection.
- Extended Warranty Protection.
Travel insurance benefits
- Auto Rental Coverage.
- Baggage Delay Insurance.
- Lost Luggage Reimbursement.
- Trip Cancellation and Interruption Insurance.
- Roadside Assistance.
- Travel Accident Insurance.
- Travel and Emergency Assistance.
Additional benefits
- Global Entry, TSA PreCheck® or NEXUS Statement Credit.
- Up to $50 United® Airlines TravelBank Cash each year.
IHG One Rewards Premier Business Credit Card
When to pick this card: In most cases, the IHG One Rewards Premier Credit Card is a better choice than the IHG One Rewards Premier Business Credit Card, thanks to the card’s better travel insurance protections and additional United Travel Bank credits. But if you’re looking for a card to use on your IHG stays while keeping balances off your personal credit report, the business card might be a reasonable option.
Sign-up bonus: bonus_miles_full
Learn how to apply.
IHG One Rewards Premier Business Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
If you stay at IHG hotels, you probably want either the IHG One Rewards Premier Business Credit Card or the IHG One Rewards Premier Credit Card in your wallet. The business card offers better rewards in more interesting categories than the personal variant, but less generous travel insurance benefits.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as IHG One Rewards points.
Rewards
- 10x points on stays at IHG® Hotels and Resorts
- 5x on travel.
- 5x on dining.
- 5x on select business purchases.
- 5x at gas stations.
- 3x on all other purchases.
Rewards are earned IHG One Rewards points.
Benefits
IHG® Hotels and Resorts benefits
- Platinum Elite Status
- Anniversary Free Night
Earned on your cardmember anniversary each year, starting 12 months after your account open date. - Earn a $100 statement credit and 10,000 bonus points
after spending $20,000 each calendar year. - Redeem 3 nights, get 4th night free.
- Save 20% on Rewards Points Purchases.
- Early Access to IHG Reward Night Sales.
Consumer insurance benefits
- Purchase Protection.
Travel insurance benefits
- Trip Cancellation and Interruption Insurance.
Additional benefits
- Global Entry, TSA PreCheck® or NEXUS Statement Credit.
Bottom line: Great time to apply for the business card
Ultimately, the best time to apply for most cards is when there is a limited-time increased welcome offer available, as is currently the case with the IHG One Rewards Premier Business Credit Card. You’re unlikely to see a better bonus on this card anytime soon.
