IHG One Rewards Premier Business Card
$99 annual fee · $250/yr in printed statement credits · 3x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 5x | uncapped |
| Dining | 5x | uncapped |
| Advertising | 5x | uncapped |
| Office supply | 5x | uncapped |
| Gas | 5x | uncapped |
| Everything else | 3x | uncapped |
| Hotels at IHG only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
10x | uncapped |
See how it ranks: best travel cards · best dining cards · best advertising cards · best office supply cards.
Signup bonus: 140,000 points after $4,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $250/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Annual spend statement credit + bonus points | $100/year | annual |
| Global Entry/TSA PreCheck/NEXUS credit | $30/year | once every 4 years |
| DashPass complimentary membership | $0/year | annual · enrollment required |
| Instacart+ membership + credit | $120/year | monthly · enrollment required |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Automatic IHG One Rewards Platinum Elite status for as long as the account is open (6–8 weeks to post)
- 4th night free on reward stays of 4+ consecutive nights at the same property (unlimited uses per year)
- 10,000 bonus points for adding the first employee card within 3 months
- No foreign transaction fees
Does the fee earn out? · how we got this
The printed statement credits ($250/yr) cover the $99 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $99 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at IHG. Its largest printed rate, 10x on hotels, pays only at IHG. Anywhere else it earns its base 3x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Comparing cards in the same currency? See the best cards that earn IHG points →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com. Spot an error? Tell us.