IHG One Rewards Premier Business Credit Card
Issued by Chase
Rates verified July 2026
Welcome Bonus
Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
Rewards Rate
3x points on all purchases
Annual Fee
$99
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
3x points on all purchases
Welcome Offer
Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
Annual Fee
$99
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Everyday spending
Why We Recommend This Card
Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
$99 annual fee — weigh against bonus categories and perks
Anniversary Free Night
Annual Bnous Spend
Anniversary Free Night
Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
Annual Bnous Spend
Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
DoorDash
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Global Entry, TSA PreCheck® or NEXUS Statement Credit
Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
IHG One Rewards Platinum Elite status
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier Business cardmember, and as long as your IHG One Rewards membership remains in good standing.
Redeem 3 Nights, Get 4th Night Free
When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.
Save 20% on reward points purchases
Save 20% when you purchase points with your IHG One Rewards Premier Business Credit Card.
Up to $120 in Instacart credits
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Network benefits (Mastercard) — 16 standard protections
Car Rental Insurance
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
Fuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer
Intuit® QuickBooks® Online and QuickBooks Online Payroll
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Luminary
Save 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer
Mastercard Golf
Impress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Melio
Paying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer
Microsoft Advertising
Grow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer
Priceless Experiences®
Share with your clients both in-person and digital experiences in dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard cardholders. Visit priceless.com.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Trip Cancellation/Trip Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Direct to the Issuer
The Apply button takes you to Chase's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information