Editorial and Partnership Disclosure
card_name is an excellent choice for business owners who frequently stay at IHG® Hotels & Resorts. You’ll get elite benefits like early check-in, late check-out, and room upgrades. While there’s a $99 annual fee, it easily offsets that cost with a free night every card anniversary. Think of it as prepaying $99 for a hotel stay each year, with plenty of added perks to enhance your travel experience.
If you wish to compare one card over another, select a maximum of three cards on this page and click
Add to Compare
to view the details in a side-by-side comparison.
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
- Earn up to 200,000 Bonus Points: Get 140,000 points after spending $4,000 in the first 3 months, and an additional 60,000 points after reaching $9,000 in total spending within the first 6 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26× total points: Stay at IHG® Hotels & Resorts and get 10× points with the IHG One Rewards Premier Business Credit Card, up to 10×points from IHG® for being an IHG® Rewards member and up to 6× points from IHG® with Platinum Elite Status, which you get as a cardmember automatically
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- $120 Global Entry, TSA PreCheck® or NEXUS Statement Credit every 4 years as reimbursement for the application fee charged to your card.
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Purchase protection: Ensures coverage for your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Trip cancellation/trip interruption insurance: Receive reimbursement of up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, in the event your trip is canceled or cut short because of sickness, severe weather, and other covered situations.
- Fraud protection: Offers Zero Liability Protection, which ensures that you won’t be held responsible for unauthorized transactions.
When evaluating travel rewards business credit cards like the card_name, we first consider the ongoing rewards, introductory rewards, and additional card benefits. We also take into account the card’s annual fee, as well as the introductory and ongoing APRs.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 25 |
| Introductory Rewards | 25 | 25 |
| Additional Features | 20 | 25 |
| Annual Fee | 12 | 15 |
| Introductory APR | 0 | 5 |
| Ongoing APR | 3 | 5 |
| Total Score | 80 | 100 |
Who the card_name Is Best For
- Those who value travel perks: Benefits like Global Entry, TSA PreCheck® or NEXUS credit, and trip cancellation/interruption insurance are useful for frequent travelers. Plus, you can redeem points for miles with IHG’s partner airlines.
- Those who frequently stay at IHG® Hotels & Resorts: Ideal for earning and redeeming rewards at IHG properties, this card offers up to 26× points on IHG stays. It also provides complimentary Platinum Elite status, which includes early check-in, room upgrades, and late checkout, for a more premium experience.
- Those with significant business expenses: With higher spending, you gain access to perks like Diamond Elite status and additional free nights.
- Those looking for flexible reward redemption: This card offers free nights, room upgrades, and the ability to use points across a variety of travel and business expenses.
Check out
below if this card isn’t what you’re looking for.
card_name Rewards
- Earn a Total of 200,000 Bonus Points:
- 140,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening
- Additional 60,000 bonus points after spending $9,000 on purchases in the first 6 months from account opening
- Earn Up to 26× Pointsat IHG® Hotels & Resorts:
- 10× points with the card_name
- Up to 10× points from IHG® for being an IHG® Rewards member
- Up to 6× points from IHG® with Platinum Elite Status, which you get as a cardmember automatically
- 5× Points on Business Categories: Earn 5 points per $1 spent on travel, gas, dining, social media, search engine advertising, and office supplies.
- 3× Points per dollar spent on all other purchases
- Statement Credit and Bonus Points on Card Anniversary: Earn a $100 statement credit and 10,000 bonus points if you spend $20,000 on purchases and make one additional purchase each calendar year.
- Anniversary Free Night: Receive one free night each year after your card anniversary, redeemable at eligible properties.
- Fourth Night Free: Get the fourth night free when booking a rewards stay of four or more consecutive nights.
card_name Calculator
Find out how much you can earn from the card_name based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
Note that each IHG point is valued at 0.8 cents and that the calculator will assume that each cardholder gets the full 26× points on transactions made at IHG® Hotels & Resorts.
How to Redeem card_name Rewards
Here are the main ways to redeem rewards from the card_name:
- Free Nights: Redeem points for free stays at IHG hotels, including InterContinental, Crowne Plaza, Holiday Inn, and any of its 6,000-plus destinations worldwide.
- Points & Cash: Use a combination of points and cash to book hotel stays.
- Room Upgrades: Redeem points for room upgrades during your stay at IHG hotels.
- Gift Cards: Exchange points for gift cards from partner retailers.
- Travel Experiences: Use points to book unique travel experiences and activities.
- Shopping: Redeem points for products through the IHG Rewards Club catalog.
- Transfer Points: Transfer points to airline miles with participating partners.
card_name Features
- Global Entry, TSA PreCheck® or NEXUS Statement Credit: Receive a statement credit of $120 (starting 10/1/24) every four years to cover the cost of application.
- Automatic IHG Platinum Elite Status: Enjoy Platinum Elite status, which includes perks like early check-in, room upgrades, and late checkout.
- No Foreign Transaction Fees: Use the card internationally without worrying about foreign transaction fees.
- $50 United® TravelBank Cash: Get up to $50 in TravelBank Cash each year after registering your card with MileagePlus®.
- Diamond Elite Status: Earn Diamond Elite status after spending $40,000 in a calendar year.
- Additional Free Night: Earn an additional free night (up to 40,000 points) after spending $60,000 annually. You can top up with points to redeem at higher-tier hotels.
- 20% Off Point Purchases: Save 20% when purchasing points with your card.
- Early Access to Reward Night Sales: Get early access to IHG Reward Night sales.
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim.
- Trip Cancellation/Interruption Insurance: Reimbursement up to $1,500 per person and $6,000 per trip for eligible cancellations or interruptions.
card_name Fees
APRs
- Introductory: None
- Purchase: 20.99% to 27.99% variable
- Balance transfer: 20.99% to 27.99% variable
- My Chase LoanSM: 20.99% to 27.99% variable
- Cash advance: 29.74% variable
- Penalty: Up to 29.99% variable; will be applied indefinitely if you fail to make a minimum payment by the due date or if your payment is returned
Fees
- Annual: $99
- Chase Pay Over TimeSM (formerly My Chase Plan® Fee; a fixed finance charge): Monthly fee of 1.72% of either the amount of each eligible transaction or the amount selected to create a My Chase Plan
- Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: Either $15 or 5% of the amount of each transaction, whichever is greater
- Foreign transaction: None
- Late and returned payments: $40
- Return check: None
Your due date is at least 20 days after the close of each billing cycle.
- Online or Chase Mobile® app: Go to chase.com/paycard to make a payment online. You can also enroll in automatic payments through the website or mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
Alternatively, you can send your payment via overnight mail to the following address:
Chase Card Services
201 N. Walnut St.
Del-0153
Wilmington, DE 19801
- Western Union: Use the Code City WALNUT when paying via Western Union. It may take up to seven days for the payment to be reflected in your account.
- In-person: Go to the nearest Chase ATM or branch
card_name Alternatives
Chase Ink Business Preferred®
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
This card is better for overall business spending. It offers 3× points on travel, shipping, advertising, and telecommunications (up to $150,000 per year), making it more versatile for business expenses beyond hotel stays. It also has flexible point transfers to various travel partners, not just IHG.
For more options on Chase cards, you can check our list of the
best Chase business credit cards
.
American Express® Business Gold Card
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $375 |
| Credit Needed | Excellent, Good |
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
This is ideal for businesses with varying expenses. It automatically gives 4× points on the top two spending categories each month (up to $150,000 per year), including travel, advertising, and more. The flexibility makes it more adaptable than the IHG card, which is focused primarily on hotel stays.
Hilton Honors American Express Business Card
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $0 introductory annual fee for the first year, then $195 |
| Credit Needed | Excellent, Good |
- Limited Time Offer: Enjoy a $0 intro annual fee for the first year, then $195 + earn 130,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
This card is better for Hilton hotel loyalists. It offers up to 12× points on Hilton purchases and provides Gold Status automatically, with the option to earn Diamond Status through spending. Hilton’s broader global presence may appeal to those who prefer a wider hotel network.
You may check our roundup of the
best American Express business credit cards
for more options from the issuing bank.
Frequently Asked Questions (FAQs)
As members of this Program, you may be eligible for specific services and benefits offered by IHG® Hotels & Resorts. These benefits and services will change from time to time and can vary by hotel, country, and geographical region. The following are the benefits that each elite status can receive, depending on the points, exclusive access, and hotel perks:
Club
Points
- Earn points to use for reward nights and more
- No blackout dates
- Reward nights count toward elite status
Exclusive Perks
- Member rates and promotions
Hotel perks
- Free internet
- Late check-out (subject to availability) at 2 p.m.
Silver Elite
Points
- Earn 20% bonus points
- Earn points to use for reward nights and more
- No blackout dates
- Reward nights count toward elite status
- Elite points don’t expire
Exclusive Perks
- Member rates and promotions
Hotel perks
- Free internet
- Late check-out (subject to availability) at 2 p.m.
Gold Elite
Points
- Earn 40% bonus points
- Earn points to use for reward nights and more
- No blackout dates
- Reward nights count toward elite status
- Elite points don’t expire
- Rollover nights for new year’s status
Exclusive Perks
- Member rates and promotions
Hotel perks
- Free internet
- Late check-out (subject to availability) at 2 p.m.
Platinum Elite
Points
- Earn 60% bonus points
- Earn points to use for reward nights and more
- No blackout dates
- Reward nights count toward elite status
- Elite points don’t expire
- Rollover nights for new year’s status
Exclusive Perks
- Member rates and promotions
- Reward nights promotional discounts
Hotel perks
- Free internet
- Guaranteed room availability
- Complimentary upgrades (subject to availability)
- Welcome amenity at check-in
- Early check-in (subject to availability)
- Late check-out (subject to availability) at 2 p.m.
Diamond Elite
Points
- Earn 100% bonus points
- Earn points to use for reward nights and more
- No blackout dates
- Reward nights count toward elite status
- Elite points don’t expire
- Rollover nights for new year’s status
Exclusive Perks
- Member rates and promotions
- Reward nights promotional discounts
- Dedicated diamond support
- Exclusive Hertz Gold Plus Rewards® Five Star® Upgrade upon receiving status
Hotel perks
- Free internet
- Guaranteed room availability
- Complimentary upgrades (subject to availability)
- Welcome amenity at check-in
- Early check-in (subject to availability)
- Late check-out (subject to availability) at 2 p.m.
- Contact Chase: Call the number on the back of your card or claim online.
- Provide details: Provide the receipt, date, description of the item, and the circumstances of the damage or theft.
- Submit documentation: You may need to submit additional documents like a repair estimate, police report (if applicable), and proof of ownership.
- Wait for processing: Once all required documents are submitted, Chase will review your claim and notify you of the outcome.
Yes, you can transfer IHG points to participating airline programs, though the transfer rates may vary. This offers additional flexibility in how you redeem your rewards for travel.
Bottom Line
The card_name is great for business owners who frequently stay at IHG hotels, offering strong rewards and travel perks. However, if your spending is more diversified or you prefer flexible reward options beyond hotels, other business cards may offer better overall value.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
American Express® Business Gold Card
Hilton Honors American Express Business Card
