Chase IHG Business
$99/year, earning IHG One Rewards Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Chase IHG Business is a $99/year card from Chase earning IHG One Rewards Points. It earns 10x on ihg, 5x on travel, 5x on dining and 3x on everything else. It carries 1 recurring statement credit worth $30 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on IHG One Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| IHG | 10x | |
| Travel | 5x | |
| Dining | 5x | |
| Advertising (Social Media & Search) | 5x | |
| Office Supply | 5x | |
| Gas | 5x | |
| Other | 3x | Everything else |
Statement credits
$30 a year across 1 credit against a $99 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Additional Free NightEarn an additional free Reward Night after you spend $60,000 on purchases each calendar year. | Once a year | ~$200 |
| Anniversary Free NightAnniversary Free Night will be available for redemption on your account anniversary date each year. Anniversary Free Night is valid at IHG Hotels and has a point redemption value of 40,000 points or less (covers one standard room night and tax only), with the ability to add on points from your IHG One Rewards account to redeem your Anniversary Free Night at hotels above the 40,000 point redemption level. | Once a year | ~$200 |
| Annual Spending BonusYou will receive a $100 statement credit and 10,000 bonus points each calendar year during which you spend at least $20,000 in purchases. | Once a year | ~$100 |
| Points Purchase DiscountSave at least 20% on points purchases when you pay for those points with your IHG One Rewards Premier, Premier Business or Traveler Credit Cards. | Once a year | — |
| Fourth Night FreeFor each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. | Once a year | — |
Status and included memberships
- Automatic Platinum Elite Status — As an IHG One Rewards Premier Business credit cardmember, you qualify for automatic IHG One Rewards Platinum Elite status for as long as you remain a Premier Business credit cardmember, and as long as your IHG One Rewards membership account remains in good standing.
- Diamond Elite Status Qualification — Each calendar year you make purchases totaling $40,000 or more, you, as the primary cardmember, will qualify for Diamond Elite status through December 31st of the following year.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Purchase Protection — Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Trip Cancellation 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.
Questions people ask about the Chase IHG Business
What is the annual fee on the Chase IHG Business?
The Chase IHG Business has a $99 annual fee.
What statement credits does the Chase IHG Business include?
It carries 1 recurring statement credit worth $30 a year in total: Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Chase IHG Business earn?
10x on ihg, 5x on travel, 5x on dining, 5x on advertising (social media & search), and 3x on everything else, in IHG One Rewards Points.
Is the Chase IHG Business worth the annual fee?
Its recurring statement credits total $30 a year against a $99 fee, so the card pays for itself on credits alone if you use 100% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Chase IHG Business charge foreign transaction fees?
No — the Chase IHG Business has no foreign transaction fee.
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