IHG One Rewards Premier Business Credit Card
| Annual fee | $99 Fact |
| Foreign transaction fee | None |
| Rewards currency | IHG One Rewards points |
| Est. point value | 0.60¢ Estimate |
Last updated Aug 27, 2026
Checked Sep 12, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
📈 Sign-up bonus history
5-year best: 200,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| May 2022 to Jun 2023 · 12 mo | 140,000 points | $3,000 |
| Jun 2023 to Sep 2023 · 4 mo | 165,000 points | $3,000 |
| Sep 2023 to Apr 2026 · 2.5 yr | 140,000 points | $3,000 |
| Apr 2026 to Jun 2026 · 3 mo | 200,000 points Best | $9,000 |
| Jun 2026 to now · 3 mo | 140,000 points | $4,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 10x | IHG One Rewards points | No cap |
| Other | 5x | IHG One Rewards points | No cap |
| Gas and EV charging | 5x | IHG One Rewards points | No cap |
| Restaurants | 5x | IHG One Rewards points | No cap |
| Travel | 5x | IHG One Rewards points | No cap |
| Everything else | 3x | IHG One Rewards points | No cap |
Your elite status
Recurring credits
Estimated value| Receive one $10 credit per month in the Instacart App while maintaining an active Instacart+ membership through 12/31/2027. | $120/yr (Monthly) |
| Receive a statement credit of up to $120 every 4 years to cover the application fee for Global Entry, TSA PreCheck, or NEXUS. | $30/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsEarn a free night each account anniversary year with a current point redemption cap of 40,000 points; can use additional points to redeem at hotels above that level.
As an IHG One Rewards Premier Business credit cardmember, you qualify for automatic IHG One Rewards Platinum Elite status for as long as you remain a cardmember.
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.
DashPass members get up to $10 off quarterly on one qualifying non-restaurant DoorDash order through 12/31/2027.
Receive 12 months of complimentary DashPass for use on DoorDash and Caviar when activated between 02/01/2025 and 12/31/2027; auto-renews at current monthly rate after.
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.
Covers eligible new purchases for 120 days from purchase against damage or theft, up to $10,000 per item.
Save at least 20% on points purchases when paying with your IHG One Rewards Premier Business Credit Card.
Receive a complimentary 3-month Instacart+ membership when activated between 5/1/2025 and 12/31/2027; auto-renews at $99/year after.