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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

IHG One Rewards Business Card card art
IHG Business 1 of 1
Comparing 1 card
IHG One Rewards Business Card card art
Chase
IHG Business
Apply Details
Cost and value $200 fee
Annual fee
$200
Credits you can use a year, if you use every one
$350
Fee after credits
$150 back credits beat the fee
Point value per point or mile
0.60¢ Estimate
Rewards currency
IHG One Rewards points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 190,000 points, about $1,140
Bonus
190,000 points + 10,000 bonus points after adding an employee card
Estimated value
$1,140 for the points
Spend to earn it less a month is easier
$5,000 in 90 days about $1,667 a month
Earning rates Top rate 10x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
5x about 3.0% back
Flights
5x about 3.0% back
Hotels
5x about 3.0% back
Travel (ground only)
5x about 3.0% back
Gas
5x about 3.0% back
Transit / Rideshare
5x about 3.0% back
Office supplies
5x about 3.0% back
Advertising
5x about 3.0% back
Everything else
3x about 1.8% back
Only on this card
  • 10x Hotels
  • 5x Car rentals and cruises
Statement credits $350 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card, by you or an authorized user.

Travel booking
  • $100 a year $25 every 3 months
    What counts

    Receive a $25 Food and Beverage Reward voucher each calendar quarter (up to $100/year) to redeem for food and beverage charges at participating IHG Hotels & Resorts.

  • $100 per use after $250 spend
    What counts

    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.

Other credits
  • $120 a year $10 every month
    What counts

    Receive one $10 credit per month in the Instacart App while maintaining an active Instacart+ membership through 12/31/2027.

  • $100 a year resets every year
    What counts

    Enjoy up to $100 in statement credits towards Expensify purchases each calendar year.

Monthly credits to track fewer is less work
1
Certificates and passes 1 free night + 1 with spend, about $300 a year
A free night is valued at its points cap and our points valuation. Certificates expire, so their value depends on using them in time.
Free nights
  • Anniversary Free Night, up to 50,000 points Points can be added to book above the cap, each card year, about $300 a year
  • Free Night after $60,000 spend, up to 50,000 points Points can be added to book above the cap, Must be redeemed within 12 months of issue.
Yearly value certificates that arrive each card year
about $300
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel IHG One Rewards Platinum Elite
Elite status
  • IHG One Rewards: Platinum Elite
Other status perks
  • Earn 2 Elite Night Credits for each $5,000 spent in purchases, with no limit on the number of ENCs that can be earned.
  • Receive 15 Elite Night Credits (ENC) within 6-8 weeks of account opening, then deposited again by February 1 each calendar year, toward IHG One Rewards Elite status and Milestone Rewards.
  • Starting January 1, 2027, qualify for IHG One Rewards Diamond Elite Status for the remainder of the year and the following year after spending $50,000 in purchases each calendar year.
  • Earn 5 Elite Night Credits after spending $25,000 on purchases each calendar year, counting toward IHG One Rewards Elite status and Milestone Rewards.
Travel benefits
  • When you redeem points for a consecutive four-night IHG hotel stay, the 4th Reward Night is free at that same hotel during that stay.
Protection and insurance 2 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Purchase protection
  • Covers eligible new purchases for 120 days from purchase against damage or theft, up to $10,000 per item.
Other coverage
  • Reimbursement up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short by covered reasons.
  • Save at least 20% on points purchases when paying with your IHG One Rewards Premier Business Credit Card.
  • Earn 20,000 bonus points after spending $25,000 on purchases each calendar year.
Lifestyle and other perks 3 perks
Lifestyle and entertainment
  • Get one-year complimentary DashPass by DoorDash ($120 value), providing $0 delivery fees and lower service fees on eligible orders; automatically enrolled at the current monthly rate after. Activate by Dec 31, 2027. $120
  • DashPass members get up to $10 off quarterly on one qualifying non-restaurant DoorDash order through 12/31/2027.
Other perks
  • Receive a complimentary 3-month Instacart+ membership when activated between 5/1/2025 and 12/31/2027; auto-renews at $99/year after. $99
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Complimentary DashPass membership
  • Purchase protection
  • Trip cancellation and interruption insurance
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Business