• Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
• NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
• NEW! A $100 Airline Statement Credit each year when you spend at least $250 on flights purchased directly with the airline.
• This card offers over $750 in value your first year!
• Automatic Platinum Elite status as long as you remain a Business cardmember. Plus, enjoy 15 Elite Night Credits annually (new!).
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Kimpton®, Hotel Indigo®, Crowne Plaza®, EVEN® Hotels, & Holiday Inn®
• Member FDIC

When it comes to IHG One Rewards points, the best way to maximize your points is to redeem them for travel.

We don't recommend: Redeeming for Cash Back
Using your points for cash back typically provides a lower value than redeeming for travel.

We sometimes recommend: Booking through the IHG Portal
You can redeem your points for hotel stays directly through the IHG portal, but this usually gives you a value of 0.5 cents per point or less. It's a decent option, but it's not the best.

We always recommend: Using Points for Free Nights
Redeeming points for free nights at IHG hotels provides the best value. This can give you more than 0.7 cents per point, especially if you take advantage of promotions and the fourth-night free benefit.

To get the most out of the annual fee, book your business flights directly with the airline on this card. Once you spend $250, you'll unlock the $100 Airline Statement Credit for the year, and those flights earn 5X points too. Putting your ad spend on the card is another easy win, since select advertising also earns 5X.

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The IHG-Loyal Business Owner
If your business travel regularly lands you at IHG properties like InterContinental, Crowne Plaza, or Holiday Inn, this card is built for you. You'll get automatic Platinum Elite status, 15 Elite Night Credits every year, and an Anniversary Free Night. Add in up to $100 in Food & Beverage Rewards at IHG Hotels & Resorts and you'll feel the value every time you check in.

The Frequent Business Traveler
If you're booking flights and rental cars for work, this card rewards you well beyond hotel stays. You'll earn 5X points on flights booked directly, car rental agencies, gas stations, and restaurants, plus 5X on select advertising for your business. The $100 Airline Statement Credit each year helps offset the annual fee, and up to 26X total points on IHG stays means your points stack up fast.

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Here's a good rule of thumb: You probably shouldn't own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. Because this is a business card, you'll also need a business to apply. If your credit score is low, you'll need to improve it before applying for travel credit cards. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

And if you only stay with IHG occasionally, the $200 annual fee may be hard to justify. The no-annual-fee New IHG One Rewards Credit Card could be a better fit.

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A good to excellent credit score is recommended for The New IHG One Rewards Business Credit Card. But if you're in a solid place with your credit and feel ready for a new card, don't let the fear of being rejected keep you from applying. The worst they can say is "no."

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