IHG One Rewards Business Credit Card

Chase · Business card · Checked against Chase's terms Oct 26, 2026

The IHG One Rewards Business earns 10x IHG One Rewards points at IHG Hotels & Resorts; 5x IHG One Rewards points at restaurants, gas stations and social media and search advertising and on flights and car rental; and 3x IHG One Rewards points on everything else. $200 a year. earnrate counts IHG One Rewards points at 0.5¢ each; transferring to airlines or hotels can be worth up to about 0.6¢.

Add it to your wallet

Where it's the best business card

IHG Hotels & Resorts (5%) · Sam's Club Gas (2.5%) · gas at grocery stores (2.5%) · gas at superstores and warehouse clubs (2.5%)

Where it's in the top 3

Chipotle (2.5%) · Sweetgreen (2.5%) · The Cheesecake Factory (2.5%) · Starbucks (2.5%) · In-N-Out Burger (2.5%) · McDonald's (2.5%) · Taco Bell (2.5%) · Chick-fil-A (2.5%) · DoorDash (2.5%) · Uber Eats (2.5%) · Shell (2.5%) · Chevron (2.5%)

Earning rates

10
IHG Hotels & Resorts 10x IHG One Rewards points
Card points only. Chase advertises "up to 26X total" at IHG, which adds up to 10X IHG member points and 6X Platinum Elite points that IHG posts for stays booked direct; those aren't card earnings.
“That's 10X points with this card” creditcards.chase.com
5
Restaurants, gas stations and social media and search advertising 5x IHG One Rewards points
Dining includes takeout and eligible delivery services. Advertising must be bought directly from a social media site or search engine, not through an ad agency.
“gas stations; dining at restaurants including takeout and eligible delivery services; social media and search engine advertising” creditcards.chase.com
5
Flights and car rental 5x IHG One Rewards points
Airline tickets bought directly from the airline, and car rentals booked directly with the rental agency. Not through travel agencies or online travel sites.
“airline tickets when purchased directly with the airline; and car rental agencies” creditcards.chase.com
5
Travel and transit 5x IHG One Rewards points
All of Chase's travel category (which includes trains, buses, taxis and rideshare, tolls and parking) until purchases post after Dec 31, 2026. After that, other travel earns the 3x base rate.
- Through Dec 31, 2026
“through December 31, 2026 in the following rewards categories: travel” creditcards.chase.com
5
Office supply stores 5x IHG One Rewards points
Stores that specialize in office supplies. Purchases posting after Dec 31, 2026 earn the 3x base rate.
- Through Dec 31, 2026
“All other travel purchases and office supply store purchases will earn 3 points for each $1 spent.” creditcards.chase.com
3
Everything else 3x IHG One Rewards points
“Earn 3X points per $1 spent on all other purchases.” creditcards.chase.com

Public welcome offer

190,000 IHG One Rewards points after $5,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Labeled a launch offer; no end date given. Plus 10,000 points after adding an employee card in the first 3 months. The page and its offer details state no bonus-eligibility rule for this card.

Sources

Rankings compare business cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.