IHG One Rewards Premier 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.
$150 of the advertised value — 19% — comes with strings attached.
- $810 advertised across 5 benefits.
- $150 (19%) needs a booking, enrollment, or deadline.
- Biggest credit — Monthly Instacart Credit, $120 — only via Instacart.
- Anniversary Free Night ($280) posts automatically. No hoops.
- No-hoops value covers 667% of the annual fee.
- You book travel through Instacart.
- You'll actually use Anniversary Free Night.
- 10× on IHG Hotels & Resorts matches your spend.
- You book direct, not via Instacart.
Welcome offer
Earn 140,000 IHG One Rewards bonus points after spending $4,000 on purchases in the first 3 months from account opening.
- Est. value
- $700
- Minimum spend
- $4,000
- 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.
- Additional 40,000-Point Free Night (Spend Tier)$280/Annual
Earn an additional free night capped at 40,000 IHG points. Unlocks after $60,000 calendar-year spend on the card.
- Global Entry, TSA PreCheck or NEXUS 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.
- $100 Statement Credit and 10,000 Bonus Points (Spend Tier)$100/Annual
After at least $20,000 in purchases during a calendar year, receive a $100 statement credit and 10,000 IHG bonus points. Unlocks after $20,000 calendar-year spend on the card.
- 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.
- Auto Rental Coverage$0/Annual
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/Annual
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.
- 20% Discount on IHG Points Purchases$0/Annual
Save at least 20% when purchasing IHG One Rewards points with the card. The discount cannot be combined with another points-purchase offer.
- No Foreign Transaction Fees$0/Annual
The card charges no foreign transaction fees on purchases made outside the United States.
- 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 Protection$0/Annual
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.
- 3 Months of 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.
- Travel and Emergency Assistance$0/Annual
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.
- Trip Cancellation and Interruption Insurance$0/Annual
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.
- 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.
Other Chase cards
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