Highlights

  • Earn 10x IHG One Rewards points on purchases at participating IHG One Rewards hotels.
  • Automatic IHG One Rewards Platinum Elite Status, plus one Free Night Award each account anniversary for a stay worth up to 40,000 points.
  • When you redeem points for at least four consecutive standard-room nights, the 4th night is free.
  • No foreign transaction fee, plus trip cancellation/interruption, auto rental, and purchase protections.
IHG One Rewards Premier Business Credit Card

Issuer: Chase
Payment network: Mastercard
Type: Business credit card
Annual fee: Primary card $99
Foreign transaction fee: None

Rewards are earned as IHG One Rewards points. After each billing cycle ends, points from eligible purchases are automatically deposited into the linked IHG One Rewards account.

Welcome Offer

【September 14, 2026 update】 Up to 150,000 IHG One Rewards points:

  • Spend $4,000 in eligible purchases within the first 3 months of account opening: 140,000 IHG One Rewards points. Points typically post in 6–8 weeks after you qualify; the account must be open and in good standing when the bonus is issued.
  • Add the first employee card within the first 3 months of account opening: 10,000 IHG One Rewards points. This bonus is awarded only once, and that employee card must still be on the account when the bonus is issued.

Apply via our referral link 🔗

Past welcome offers

【September 5, 2025 update】 200,000 points:

  • Spend $4,000 in the first 3 months for 140,000 points
  • Spend $9,000 in the first 6 months for 60,000 points

Everyday Spending

10x: Eligible purchases at participating IHG One Rewards hotels. This is the card’s earn rate; IHG One Rewards members and Platinum Elite Status may earn separate program points on stays that do not count toward this card’s 10x.

5x: Travel purchases (excluding the 10x participating IHG One Rewards hotel category), restaurant purchases (including takeout and eligible delivery), social-media and search-engine advertising, office-supply stores, and gas stations. The issuer site does not publish a spending cap for these categories.

3x: All other eligible purchases. Balance transfers, cash advances and other cash-like transactions, lottery tickets, casino chips, racetrack or similar betting, checks, interest, unauthorized or fraudulent charges, and fees of any kind do not earn points.

Benefits & Insurance

  • Automatic Platinum Elite Status

As a Premier Business cardmember, you receive Platinum Elite Status automatically while the linked IHG One Rewards account remains in good standing. Status is usually applied within 6–8 weeks after account opening.

  • Save 20% on Points Purchases

Buy IHG One Rewards points with this card and receive at least 20% off. The discount cannot be combined with other point-purchase offers. Purchased points are not elite-qualifying, transactions are processed by Points.com, and point purchases are non-refundable.

  • Anniversary Free Night

Each account anniversary, you receive one Anniversary Free Night that can cover one night in an IHG standard room with a redemption value of up to 40,000 points, including taxes and fees. You may top up with your own account points for a higher-category hotel. The stay must be completed within 12 months of the award being issued. The award is non-transferable, non-extendable, and cannot be exchanged for cash or returned as points. Parking, mandatory resort fees, and other incidentals remain your responsibility, and award nights are subject to inventory and hotel cancellation policies.

  • Fourth Reward Night Free

When you redeem points for at least four consecutive standard-room nights at the same hotel, the first 3 nights are charged in points and the 4th night is 0 points. You may use this benefit unlimited times per year. Paid stays and Points & Cash bookings do not qualify. If you cancel the reservation or check out before the 4th night, the free fourth night is forfeited. Parking, resort fees, and other incidentals remain your responsibility.

  • $100 Statement Credit

Complete at least $20,000 in eligible purchases in a calendar year and receive a $100 statement credit. Net purchases after refunds are used; balance transfers, cash advances, traveler’s checks, foreign currency, money orders, wire transfers, cash-like transactions, gambling, checks, interest, fraudulent charges, and fees do not count. The credit typically posts in 6–8 weeks after you qualify; the account must be open and in good standing when it is issued.

  • 10,000 Bonus Points

In the same calendar year, at least $20,000 in eligible purchases also earns an extra 10,000 IHG One Rewards points. Eligible-purchase and account-status rules match the $100 statement credit; points typically post in 6–8 weeks after you qualify.

  • Global Entry or TSA PreCheck or NEXUS Application Fee Statement Credit

When the primary or an employee cardmember pays the first Global Entry, TSA PreCheck, or NEXUS application fee with this card, you can receive one statement credit of up to $120 every four years. Payment must go directly to the U.S. Department of Homeland Security, an eligible partner, or a TSA-designated enrollment provider. Payments through travel agencies, application-assistance services, or other third parties do not qualify. The credit typically appears in 1–2 billing cycles; the account must be open and in good standing when it is issued.

  • Complimentary DashPass

First activate DashPass with this card between February 1, 2025, and December 31, 2027, and receive 12 months of complimentary DoorDash and Caviar membership. You must use a U.S. address, set this card as the default payment method before activating, and pay eligible orders with this card. After the free period, membership renews automatically at the then-current monthly rate unless you cancel.

  • Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders

After you activate DashPass on this card, you can receive a $10 discount once per calendar quarter at checkout on one eligible DoorDash non-restaurant order. You must keep DashPass active and pay with the registered card. The discount applies only to the order subtotal—not tax, tip, or other fees. Unused balance from that quarter does not roll over, and the offer is limited to once per person per quarter in the United States.

  • Three Months of Complimentary Instacart+ Membership

First activate on the designated page with this card between May 1, 2025, and December 31, 2027, and each eligible account can receive one three-month Instacart+ membership. You must use a U.S. address; third-party payment accounts, digital wallets, and memberships purchased through third parties do not qualify. After the free period, membership renews automatically at $99/year or the then-current annual rate unless you cancel during the free period.

  • Receive one $10 credit per month in the Instacart App

When the primary cardmember activates complimentary Chase Instacart+ with this card during the window above and keeps an active Instacart+ membership, you receive one $10 Instacart credit each month. Each credit applies to one single-retailer order of at least $10 paid with this card. Unused credit does not roll over that month. Tax, service fees, delivery fees, tips, and other charges do not qualify, and restaurant orders are excluded. Unused credits may be removed if the account is closed or in default.

  • Chase Pay Over Time

Invited cardmembers can split an eligible completed purchase of at least $100 into 3–24 equal monthly payments. There is no interest, but a fixed monthly fee applies. Eligibility is not guaranteed and depends on creditworthiness, credit limit, and account behavior. Cash-like transactions, fees such as the annual fee, and some promotional or special-financing transactions do not qualify.

Official protection benefits overview 🔗

  • Trip Cancellation and Interruption Insurance

When you pay prepaid, non-refundable passenger fares with this card and cancel or shorten the trip because of sickness, severe weather, or another covered reason, each covered traveller may be reimbursed up to $1,500, with a maximum of $6,000 per trip. Covered reasons, limits, exclusions, and claim requirements follow the Guide to Benefits Chase provides to cardmembers.

  • Travel and Emergency Assistance

When you run into problems while travelling away from home, you can get legal and medical referrals plus travel and emergency assistance services. You pay for any goods or services obtained through the service.

  • Auto Rental Coverage

Decline the rental company’s collision insurance and charge the full rental to this card. Eligible commercial rentals can receive primary coverage, reimbursing theft and collision damage up to $60,000 for most vehicles with a manufacturer’s suggested retail price of $125,000 or less. Coverage details, vehicle types, and exclusions follow the Guide to Benefits.

  • Purchase Protection

Eligible new purchases are covered against theft or damage for 120 days from the purchase date, up to $10,000 per item. For New York residents, the coverage period is 90 days. Eligible items, limits, exclusions, and claim requirements follow the Guide to Benefits.

  • Extended Warranty Protection

When an eligible U.S. manufacturer’s warranty is 3 years or less, coverage can be extended by 1 additional year, for a total of up to 4 years from the purchase date. Eligibility, limits, and exclusions follow the Guide to Benefits.

Chase IHG Co-Brand Series