IHG One Rewards Business
Chase$200 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
190,000points
after $5,000 in purchases in the first 3 months
In line with past offers.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values; a gated item counts only if its condition is met.
| First-year value | Amount |
|---|---|
| Welcome bonus190,000 points at 0.59¢ | $1,121 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$90 |
| Credits you'll likely useof $470 face value | +$190 |
| IHG One Rewards free nightEarned after $60,000 in card spend in a calendar year | $0 |
| Annual fee | −$200 |
| Meeting the $5,000 minimumearns 1.77% here vs 2% on Double Cash | −$11 |
| First year | $1,190 |
| Each year after | +$656 |
Not counted in the first year: status, anniversary free nights, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Dining | 2.9% |
| 5X | Gas Stations | 2.9% |
| 5X | Travel | 2.9% |
| 5X | Flights booked directly | 2.9% |
| 3X | Everything else | 1.8% |
+ 5 more rates
| Rate | Category | Return |
|---|---|---|
| 10X | IHG purchases | 5.9% |
| 5X | Office supply stores | 2.9% |
| 5X | Search engine advertising | 2.9% |
| 5X | Social media advertising | 2.9% |
| 5X | Car rentals | 2.9% |
Noteworthy perks
- IHG One Rewards free nightArrives on your card anniversary, after the first year
- IHG One Rewards Platinum
- Airline Flight Purchase$100 a year
- fourth night free on award redemptions
Business card · Earns IHG One Rewards
Benefits
Credits & Perks (7)
- United TravelBank Cash: $25 (Semi Annual Calendar Year)
Two $25 deposits per calendar year (around January 1 and July 1). Deposits expire after 6.5 months. One-time registration required
- IHG Food & Beverage Credit: $25 (Quarterly)
IHG food and beverage reward issued each quarter; expires at the end of that quarter if unused.
- Airline Flight Purchase: $100 (Annual Calendar Year)
Statement credit after a single direct airline flight-ticket purchase of $250 or more; available once in 2026 and once in 2027, through 12/31/27.
- Expensify: $100 (Annual Calendar Year)
Statement credit on purchases with Expensify.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
$10 Instacart coupon every month with an active Instacart+ membership through December 31, 2027
Elite status (5)
- IHG One Rewards: Platinum
- IHG One Rewards: Diamond
- IHG One Rewards: 15 elite night credits each year for being a cardholder
- IHG One Rewards: 2 elite night credits for every $5,000 spent
- IHG One Rewards: 5 additional elite night credits after $25,000 in calendar-year spend
Protections (4)
- Trip Cancellation/Interruption, up to $1,500, Up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting
- Extended Warranty, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (primary), Primary coverage for business rentals; reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less
Other Perks
- Anniversary night certificate (up to 40K points but can be topped up with additional points)
- Fourth night free on award redemptions
- a second free night certificate after $60K spend in a calendar year plus one additional purchase
- Complimentary DoorDash DashPass for 12 months (enrollment required)
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
- 30% discount when purchasing IHG points with the card
- 20K bonus points after $25K spend in a calendar year
- Early access to IHG Reward Night sales
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from 190K points after spending $5K on purchases in the first 3 months from account opening + earn 10K bonus points after adding an employee card in the first 3 months from account opening(Offer Expires 11/18/2026) to 190K points after spending $5K on purchases in the first 3 months from account opening + earn 10K bonus points after adding an employee card in the first 3 months from account opening (Offer Expires 11/18/2026)Oct 11, 2026
- changed from null to IHG BusinessOct 8, 2026
- changed from IHG One Rewards Premier Business Credit Card to IHG One Rewards Business Credit CardOct 1, 2026
- changed from IHG Business; IHG Premier Business; IHG Biz to IHG Business; IHG Premier Business; IHG Biz; IHG One Rewards Premier Business Credit CardOct 1, 2026
- changed from 99 to 200Oct 1, 2026
- changed from IHG One Rewards Premier Business to IHG One Rewards BusinessOct 1, 2026
- changed from 140K points after spending $4K on purchases in the first 3 months from account opening. to 190K points after spending $5K on purchases in the first 3 months from account opening + earn 10K bonus points after adding an employee card in the first 3 months from account opening(Offer Expires 11/18/2026)Oct 1, 2026
- changed from 4000 to 5000Oct 1, 2026
- changed from null to 2026-11-18Oct 1, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026