IHG One Rewards Business Credit Card
Formerly IHG One Rewards Premier Business. Includes an anniversary free night, hotel and airline credits, and an Expensify credit. The $200 annual fee applies to new accounts. Existing cardholders move from $99 at their applicable 2027 renewal; follow your Chase notice and enter the fee you actually pay.
Trackable Benefits (6)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
Anniversary Free Night
One free night after each card anniversary, starting after your first year.
A certificate worth up to 50,000 points, with the option to add your own IHG points. Issued 12 months after account opening and at each anniversary thereafter, not on January 1. Book and complete your stay within 12 months of issue. Check the certificate in your IHG account for its exact limit and expiry; the refresh does not upgrade an already-issued certificate.
IHG Food & Beverage Reward
$25 voucher each calendar quarter at participating IHG hotels.
A voucher is deposited in your IHG Rewards Wallet each quarter and expires March 31, June 30, September 30 or December 31. Redeem against eligible food and beverage charges on your room bill before checkout. Each voucher can be used only once; any unused amount is forfeited. The reservation and room bill must be in the primary cardmember's name. Some brands and properties are excluded.
Annual Airline Credit
$100 once per calendar year on a flight purchase of at least $250.
Buy flight tickets directly from an airline in a single purchase of at least $250. One statement credit per calendar year through December 31, 2027. Separate smaller purchases do not combine to meet the threshold. Processing delays can move a late-December purchase into the following year. Credits can take up to four weeks to post.
Global Entry / TSA PreCheck / NEXUS Credit
Up to $120 for one eligible application fee every four years.
Pay an eligible Global Entry, TSA PreCheck or NEXUS application fee with this card. One credit of up to $120 every four years, measured from the previous qualifying application charge, not your card anniversary or January 1.
- • Global Entry includes TSA PreCheck.
Instacart Credit
$10 each calendar month with an active Instacart+ membership.
Receive a $10 monthly credit through December 31, 2027 with an active Instacart+ membership. Each credit applies to one eligible order of $10 or more from one retailer, paid with this card. Unused credit expires at month-end. Excludes fees, taxes, tips and restaurant orders powered by Uber Eats. Only one offer per household.
Expensify Credit
Up to $100 each calendar year on direct Expensify purchases.
Pay Expensify directly through its website or app with your card. Credits apply in the calendar year the transaction posts, up to $100 total. Processing delays can move late-December purchases into the next year.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- Automatic Platinum Elite status; 15 Elite Night Credits each calendar year, plus 2 per $5,000 spent. Existing-card annual credits begin in 2027. Diamond after $50,000 in calendar-year purchases.
- 10X card points at IHG hotels; 5X on direct flights, car rentals, dining, gas and search-engine advertising; 3X on other purchases. Advertised 26X IHG earnings include hotel-program and status points.
- An additional free night worth up to 50,000 points after $60,000 in calendar-year purchases. Add your own points if needed; follow the issued certificate's expiry.
- Fourth reward night free on qualifying points stays; no foreign transaction fees; employee cards at no extra cost.
- DoorDash: $10 off one non-restaurant order monthly for first DashPass activation September 1, 2026–December 31, 2027; quarterly for activation February 1, 2025–August 31, 2026. Confirm your schedule in Manage DashPass. Active membership required; discounts do not roll over.
- One year of complimentary DashPass when activated by December 31, 2027; paid membership renews automatically unless canceled.
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
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