IHG One Rewards Business
Raised from $99 on Oct 1, 2026 for new applicants; existing cardmembers keep $99 until their first renewal in 2027
Credits 9
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $570 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
$10 off one Instacart order of $10+ each month with the card; no rollover.
How to activate: Activate free Instacart+ with this card on Instacart's Chase page; the credit needs Instacart+ active.
Condition: Requires an active Instacart+ membership (3 months free, then $99/yr)
$10 off a non-restaurant DoorDash order each month for DashPass activations on or after 9/1/2026 (earlier activations get it quarterly). Includes 12 months of complimentary DashPass if activated by 12/31/2027.
How to activate: Add the card in the DoorDash app and activate the free DashPass; the discount needs DashPass active.
Condition: Requires DashPass activated with this card
Every quarter
$25 voucher each calendar quarter for food and drink charged to your IHG room bill (reservation must be in the primary cardmember's name); it expires at quarter end. New as of Oct 2026.
Every year
$100 statement credit once per calendar year after at least $250 of flights booked directly with an airline; terms run through 12/31/2027. New as of Oct 2026.
Condition: $250+ in flights booked directly with any airline in the calendar year
Up to $100 per calendar year in statement credits for purchases made directly with Expensify (website or app). New as of Oct 2026.
One free night at IHG hotels costing up to 50,000 points (was 40,000) each account anniversary; top-off with points allowed, and it must be used within 12 months. Renewals before the end of 2026 still get a 40K certificate. ~$225 conservative value.
An extra free night (50,000-point cap, top-off allowed) after $60,000 spend in a calendar year; valid 12 months. ~$225 conservative value.
Condition: After $60,000 in purchases in a calendar year
20,000 bonus points plus 5 ENCs after $25,000 spend in a calendar year (replaces the old 10K points + $100 credit after $20K); ~$100 at about 0.5 cents per point.
Condition: After $25,000 in purchases in a calendar year
Every few years
Up to $120 statement credit for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card, once every 4 years.
Perks 6
Benefits you use rather than credits that post to your statement.
Automatic Platinum Elite status while the card is open.
Starting 1/1/2027, Diamond Elite for the rest of that year and the next after $50,000 spend in a calendar year (previously $40K).
4th night free on reward stays of 4+ consecutive nights paid with points; unlimited uses, not valid on paid or Points & Cash stays.
15 ENCs at opening and by Feb 1 each year (existing cardmembers start 1/1/2027), plus 2 ENCs per $5,000 spent (no cap).
One year of complimentary DashPass when activated with the card by 12/31/2027, then it renews at the monthly rate unless cancelled.
Three free months of Instacart+ when activated with the card by 12/31/2027, then it renews at $99 a year unless cancelled.
Also included
- No foreign transaction fees
- 30% off IHG point purchases
- Trip cancellation/interruption insurance
- Purchase protection
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the IHG Business to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.