IHG has stepped up its game recently with new credit cards including the card_name. Traditionally, IHG only offered personal credit cards. Now, business owners can get in on the action. The ability to earn IHG points with your business spending, in addition to earning IHG points with your personal spending, makes IHG a program to keep on your radar.
Not only has IHG added new credit card products like the card_name to the market but the hotel brand also revamped its loyalty program. Interesting updates to the program include IHG Diamond members receiving free breakfast, confirmed suite upgrades, and club lounge upgrades.
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IHG Business Credit Card Details
New card members earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. Before applying, note that Bonus Points are not available to you if either you’re:
- a current cardmember of the card_name, or
- a previous cardmember of the card_name who received a new cardmember bonus within the last 24 months
The card_name has no foreign transaction fees and has a $99 annual membership fee.
IHG Business Card Credits
Cardmembers who spend at least $20,000 in a calendar year earn a $100 statement credit and 10,000 bonus points.
A Global Entry, TSA PreCheck, or NEXUS application fee statement credit comes with the card. You receive one statement credit, up to $100, every four years. Your card_name must be used for the purchase to receive the statement credit. Note that Global Entry comes with TSA PreCheck so it usually makes sense to apply for Global Entry.
IHG Business Credit Card Perks
Platinum Elite Status, an Anniversary Free Night, the ability to earn a Fourth Reward Night, and 20% savings on points purchases are the perks of the card_name.
Cardmembers automatically qualify for IHG Rewards Platinum Elite status as long as they are a cardmember. Platinum Elite status hits your account 6 to 8 weeks after account opening.
An Anniversary Free Night is available for redemption on your account anniversary date each year. The Anniversary Free Night is valid at IHG hotels with a point redemption value of 40,000 points or less. Separately, card members can add on points from their IHG account to redeem with your Anniversary Free Night at hotels above the 40,000-point redemption level. The Anniversary Free Night must be redeemed, and the stay must be completed, within 12 months from the date of issuance.
For standard Reward Night stays of 4 or more nights, the 4th night in the reservation is free. Members are charged the Reward Night point redemption rate for the first 3 nights and 0 points for the 4th night of the stay. The 4th Reward Night Free benefit is valid on an unlimited number of stays annually.
Cardmembers save 20% on points purchases when they pay for those points with your card_name. Points purchases are Non-Qualifying points and are not Elite Status qualifying.
How to Earn Points with the IHG Business Credit Card
The card_name earns points at the following earning rates:
- 10X points – IHG hotels
- 5X points – travel, dining at restaurants including takeout and eligible delivery services; social media and search engine advertising; office supply stores; and gas stations
- 3X points – all other purchases
IHG Rewards members who use the card_name for their IHG stay earn points at the following rates:
- 26X – 10X points with the card_name + 10X points for being an IHG Rewards member + 6X points for Platinum Elite Status
As a point of comparison, you can earn points at the following rates:
- 3X points at IHG Hotels with the Chase Sapphire Reserve
- 3X points on travel with the Chase Sapphire Reserve
- 5X points on dining with the Citi Custom Cash Card
- 3X points on social media and search engine advertising Chase Ink Business Preferred
- 5X points on office supply stores with the Chase Ink Business Cash
- 3X points on gas with the Citi Premier Card
How to Redeem Points with the IHG Business Card
The Best Ways to Earn and Use IHG Rewards Points in 2022 shows interesting ways to redeem your points including:
- 70,000 points/night to book the InterContinental Le Moana Bora Bora
- 70,000 points/night to book the Kimpton Seafire Resort & Spa
- 55,000 points/night to book the Kimpton Dewitt Amsterdam
- 45,000 points/night to book the Hotel Indigo Hong Kong Island
Which Cards Compete with the IHG Business Card?
Marriott Bonvoy Business Card has a $125 annual fee, the World of Hyatt Business Credit Card has a $199 annual fee, and the Hilton Honors Business Card has a $95 annual fee. All of these cards compete with the card_name.
Common IHG Business Card Questions
Is the IHG credit card hard to get?
The IHG Rewards Premier is reported to require a credit score of at least 670 (preferably above 700) per this article. So, one would imagine a credit score of at least 670 is required for the business IHG card.
How do I get Platinum Elite IHG?
Apply for the card_name!
What is the highest IHG membership?
The highest elite tier in the IHG One Rewards loyalty program is Diamond Elite per this article.
Do IHG Platinum members get free breakfast?
No, but Diamond Elite members receive free breakfast per this article.
Conclusion on the IHG Business Card
The card_name comes with perks like Platinum Elite Status, an Anniversary Free Night, the ability to receive Fourth Reward Night Free, and 20% savings on points purchases. In addition, cardmembers can earn $100 statement credit and 10,000 bonus points, and receive a Global Entry, TSA PreCheck, or NEXUS application fee statement credit.
What do you think of the IHG Business Card? How do you find value in this card? Please let me know in the comments or by sending me an email on my contact page.
Disclaimer: If you click and/or sign up for a credit card through certain links on this site or any of my related social media platforms, I may make a commission from that click-through. The editorial content on this page and the user comments are not provided by any of the companies mentioned and have not been reviewed, approved, or otherwise endorsed by any of these entities. The opinions expressed here are mine alone.
