IHG One Rewards Business
- Annual fee
- $99
- Network
- visa
- Type
- business
It earns IHG One Rewards points on purchases, with elevated rewards for IHG stays and select business spending categories.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$370 of the advertised value — 49% — comes with strings attached.
- $750 advertised across 6 benefits.
- $370 (49%) needs a booking, enrollment, or deadline.
- Biggest credit — DoorDash Non-Restaurant Promo, $120 — comes with conditions.
- Anniversary Free Night ($280) posts automatically. No hoops.
- No-hoops value covers 384% of the annual fee.
- You'll actually use DoorDash Non-Restaurant Promo.
- You'll actually use Anniversary Free Night.
- 10× on IHG Hotels & Resorts matches your spend.
- You won't use DoorDash Non-Restaurant Promo.
- You'd forget monthly credits.
Welcome offer
Earn 190,000 bonus points after spending $5,000 in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an employee card to your account in the first 3 months from account opening.
- Est. value (Perqt)
- ~$1,140
- Minimum spend
- $5,000
- Within
- 3 mo
Earning rates
- All other purchasesAll other purchases3×ptsIHG One Rewards · Base rate on all non-category spend
- Top earnIHG Hotels & ResortsPurchases made at IHG Hotels & Resorts (cardholder can earn up to 26X total points when combining credit card rewards with IHG One Rewards member and Platinum Elite status benefits)10×ptsIHG One Rewards · 10X points are earned directly from the credit card.
- DiningDining at restaurants, including takeout and eligible delivery services5×ptsIHG One Rewards
- AdvertisingSocial media and search engine advertising5×ptsIHG One Rewards
- Office suppliesOffice supply stores5×ptsIHG One Rewards
- GasPurchases at gas stations5×ptsIHG One Rewards
- TravelTravel purchases5×ptsIHG One Rewards
On-card benefits & credits
- Anniversary Free Night$280/Annual
One free night is issued each account anniversary, valid for a standard room night and tax at IHG hotels costing 40,000 points or less. Points may be added for hotels above the cap; redeem and complete the stay within 12 months.
- Global Entry, TSA PreCheck or NEXUS fee credit$120/One-time
Receive one statement credit of up to $120 every four years for the first eligible Global Entry, TSA PreCheck or NEXUS application fee charged to the card.
- Up to $100 Annual Expensify Statement Credit$100/Annual
Up to $100 annual Expensify statement credit
- Up to $100 in Annual IHG Food & Beverage Rewards$25/Quarterly
Each $25 voucher will be automatically posted each quarter in your Member’s Rewards Wallet for as long as you remain an IHG One Rewards Business credit cardmember, and as long as your IHG One Rewards membership account remains in good standing, in accordance with IHG One Rewards terms and conditions (visit ihg.com/terms ).
- DoorDash Non-Restaurant Promo$10/Monthly
ENHANCED! Up to $120 in DoorDash non-restaurant promo - Get up to $10 off monthly on groceries, everyday essentials, and more on DoorDash through Dec 31, 2027 as long as you remain enrolled in your Chase DashPass membership. Only for enrollees who sign up for this Chase DashPass membership on or after Sep 1, 2026. *
- Monthly Instacart credit$10/Monthly
Receive one $10 Instacart credit each month through December 31, 2027 while maintaining active Instacart+ membership. It applies to one purchase of at least $10, and unused value does not roll over.
- Automatic Platinum Elite Status$0/Annual
Automatic IHG One Rewards Platinum Elite status applies while the card account and IHG membership remain in good standing. Chase says to allow 6 to 8 weeks after account opening.
- 12 months of complimentary DashPass$0/One-time
Activate by December 31, 2027 for 12 complimentary months of DashPass on DoorDash and Caviar. Afterward, it automatically renews at the then-current monthly rate unless canceled.
- Auto Rental Collision Damage Waiver$0/As needed
Provides primary coverage for business rentals against theft and collision damage, up to $60,000, for most rental vehicles with an MSRP of $125,000 or less.
- Purchase Protection$0/As needed
Covers eligible new purchases against damage or theft for 120 days from purchase, or 90 days for New York residents, up to $10,000 per item.
- No Foreign Transaction Fees$0/As needed
The card charges no foreign transaction fees on purchases made outside the United States.
- 30% Discount on IHG Points Purchases$0/Annual
ENHANCED! Save 30% on reward points purchases Save 30% when you purchase points with your IHG One Rewards Business Credit Card. *
- Fourth Reward Night Free$0/Annual
On an IHG standard-room Reward Night stay of at least four consecutive nights at the same property, every fourth night costs 0 points. It is unlimited annually and excludes paid stays and Points & Cash bookings.
- Early Access to IHG Reward Night Sales$0/Annual
IHG cardholders receive early access when IHG offers Reward Night sales.
- Extended Warranty$0/As needed
Extends an eligible manufacturer's U.S. warranty by one additional year when the original warranty is three years or less, up to four years from purchase.
- $100 Airline Statement Credit$0/Annual
Get a $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27. *
- Travel and Emergency Assistance Services$0/As needed
Provides legal and medical referrals and access to other travel and emergency assistance services while away from home. The cardholder pays for any goods or services obtained.
- 5 Elite Night Credits and 20,000 Bonus Points (Spend Tier)$0/Annual
You, as the primary cardmember, will qualify for 5 Elite Night credits and 20,000 bonus points after spending $25,000 in purchases with your IHG One Rewards Business Credit Card each calendar year. After meeting the $25,000 spend requirement, you will qualify for 5 Elite Night Credits for purposes of determining Elite membership status and Milestone Rewards under the IHG One Rewards program. After qualifying, please allow 6-8 weeks for these benefits to post to your account. To qualify for these benefits, your credit card account must be open and not in default at the time of fulfillment.
- 15 Elite Night Credits$0/Annual
Elite Night Credits each year: You, as the primary cardmember, will receive 15 Elite Night Credits (“ENC”) in your IHG One Rewards account within 6-8 weeks upon opening your IHG One Rewards Business Credit Card from Chase ® .
- 3 months complimentary Instacart+$0/One-time
Receive a complimentary three-month Instacart+ membership when first activated by December 31, 2027. It auto-renews at $99 per year or the then-current annual rate unless canceled.
- Trip Cancellation and Interruption Insurance$0/As needed
Reimburses prepaid, nonrefundable passenger fares when a trip is canceled or cut short by sickness, severe weather or another covered situation. Coverage is up to $1,500 per covered traveler and $6,000 per trip.
- Diamond Elite Status (Spend Tier)$0/Annual
Earn IHG Diamond Elite status through December 31 of the following year. Unlocks after $40,000 calendar-year spend on the card.
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