IHG One Rewards Premier Business

Earning

Right column: value per $ at travel valuation (0.5¢/pt).

Credits

• $120 Global Entry / TSA PreCheck / NEXUS credit /every 4 years · easy to use
  Statement credit of up to $120 every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee when charged to the card.
• $50 United TravelBank Cash /year · medium to use · enrollment required
  "Up to $50 United TravelBank Cash each calendar year" after registering the card with your MileagePlus account; paid as two $25 deposits (around Jan 1 and Jul 1 per One Mile at a Time), each expiring after roughly six months. Usable only toward United fares paid with TravelBank.
• $100 $20,000 annual-spend statement credit /year · hard to use
  "$100 statement credit and 10,000 bonus points" each calendar year during which you spend at least $20,000 in purchases.
• $10 Instacart monthly credit /month · medium to use · enrollment required
  $10 in-app Instacart credit each month (up to $120/yr) through 12/31/2027 after activating the complimentary 3-month Instacart+ membership (window 5/1/2025-12/31/2027) and paying with the card. Credit is issued on the 1st and expires at month end; primary cardmember only; Instacart+ auto-renews at $99/yr after the free months.
• $10 DoorDash non-restaurant credit /quarter · hard to use · enrollment required
  Up to $10 off one non-restaurant DoorDash order (grocery, convenience, retail) each quarter through 12/31/2027, applied in the DoorDash app rather than as a Chase statement credit; requires activating the complimentary 12-month DashPass (activation window 02/01/2025-12/31/2027).

Benefits

• Anniversary Free Night (up to 40,000 points; 50,000 from 2027) — Each year after your card anniversary, one free night at an IHG hotel with a point redemption value of 40,000 points or less (standard room + tax), with the ability to add points from your IHG account for hotels above the cap; must be redeemed and stay completed within 12 months of issue. Chase announced Aug 31, 2026 that certificates issued on or after Jan 1, 2027 will cover hotels up to 50,000 points; certificates issued through 12/31/2026 keep the 40k cap even if used in 2027. Top-off still allowed.
• Additional Free Night after $60,000 annual spend — "Earn an Additional Free Night" after spending $60,000 on purchases in a calendar year (Chase perks page).
• Automatic IHG Platinum Elite (Diamond Elite after $40k/yr spend) — Platinum Elite while you hold the card (60% points bonus on stays, complimentary room upgrades subject to availability, late checkout, welcome amenity). "Earn your way into Diamond Elite Status" with $40,000+ in purchases in a calendar year, valid through Dec 31 of the following year.
• 10,000 points + $100 credit at $20,000 annual spend — 10,000 bonus points and a $100 statement credit each calendar year in which you spend at least $20,000.
• 4th Reward Night free — When you redeem points for a consecutive four-night IHG stay, the fourth Reward Night is free (applies to any 4+ night points stay; unlimited use).
• Global Entry / TSA PreCheck / NEXUS credit — Up to $120 every four years.
• United TravelBank Cash — Up to $50 per calendar year after registering with MileagePlus.
• 20% off IHG points purchases — At least a 20% discount when you buy IHG One Rewards points with the card, plus early access to IHG Reward Night sales.
• Free employee cards — Employee cards at no additional cost; employee purchases earn points for the business.
• No foreign transaction fees
• DashPass (12 months) and Instacart+ (3 months) — Complimentary DashPass for 12 months (activate 02/01/2025-12/31/2027) and Instacart+ for 3 months (activate 5/1/2025-12/31/2027); both auto-renew at the then-current rate unless cancelled.
• Auto rental collision damage waiver (primary for business rentals) — "Coverage is primary when renting for business purposes": reimbursement up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less when you decline the rental company's coverage and charge the full rental to the card.
• Trip cancellation / interruption insurance — Up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares.
• Purchase protection — Eligible new purchases covered 120 days (90 days NY) against damage or theft, up to $10,000 per item.
• Extended warranty protection — Extends eligible U.S. manufacturer warranties of 3 years or less by one additional year (up to 4 years total).
• Travel and emergency assistance — Legal and medical referrals and emergency service arrangements while traveling; service costs are the cardholder's responsibility.

Protections

Notes

Business card: Chase applies 5/24 when approving, but the account does not add to your 5/24 count. Launched March 24, 2022 as the business twin of the Premier with extra 5X on social media/search-engine advertising and office supply stores, plus a second free night at $60k calendar-year spend. CHANGE announced Aug 31, 2026: anniversary free night cap rises from 40,000 to 50,000 points for certificates issued on or after Jan 1, 2027 (certs issued through 12/31/2026 stay at 40k); no fee or earn changes (Doctor of Credit 2026-08-31, Frequent Miler 2026-09-04). Protections differ from the personal Premier: purchase protection is $10,000/item (vs $500) but trip cancellation is only $1,500/$6,000 (vs $5,000/$10,000), and Chase's protection page lists NO baggage delay, lost luggage, or travel accident coverage for this card. Rental CDW is primary only when renting for business purposes. Bonus categories are uncapped. DoorDash (activate 02/01/2025-12/31/2027) and Instacart (5/1/2025-12/31/2027) perks post in the partner apps, not as Chase statement credits. IHG points redeem only within IHG.

Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10