IHG One Rewards Premier Business Credit Card
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How we calculate effective rate →
The IHG One Rewards Premier Business Credit Card from Chase earns up to 1.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $99
Worth a look for dining spend if you need a business card and can use IHG One Rewards the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the IHG One Rewards Premier Business Credit Card earn in each category?
Dining is the strongest category at 1.5% effective value (3x points at about 0.5 cents each). That dining rate ranks higher than about 35% of the 2,857 cards we track in that category. The five-category effective-rate table on this page shows how IHG One Rewards Premier Business Credit Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (3x points at about 0.5 cents each). That dining rate ranks higher than about 35% of the 2,857 cards we track in that category. The five-category effective-rate table on this page shows how IHG One Rewards Premier Business Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 1.5% |
| Gas Gas stations and fuel | 3x points | 1.5% |
| Travel Flights, hotels, transit | 3x points | 1.5% |
| Other General everyday spend | 3x points | 1.5% |
Madeen values IHG One Rewards at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the IHG One Rewards Premier Business Credit Card?
The IHG One Rewards Premier Business Credit Card fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
IHG One Rewards Premier Business Credit Card fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $99 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use IHG One Rewards the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.5% effective (3x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- IHG One Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the IHG One Rewards Premier Business Credit Card welcome bonus?
In Madeen's catalog snapshot, the IHG One Rewards Premier Business Credit Card welcome offer is Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 140k IHG One Rewards (~$700 estimated)
- Terms (catalog snapshot)
- Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
- Minimum spend
- $4,000
- Window
- 3Months
Does the IHG One Rewards Premier Business Credit Card have an annual fee?
The IHG One Rewards Premier Business Credit Card has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the IHG One Rewards Premier Business Credit Card include?
The IHG One Rewards Premier Business Credit Card includes Trusted traveler credit, Free hotel night, Anniversary Free Night, Annual Bnous Spend and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
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
Free hotel night
Anniversary Free Night - Enjoy a reward night after each account anniversary year at IHG hotels worldwide
What benefits come with the IHG One Rewards Premier Business Credit Card?
Annual Bnous Spend
$100/yrEarn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Complimentary Instacart+ Membership
$25/yrGet 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
$25/yrGet 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
$25/yrCredit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
Redeem 3 Nights, Get 4th Night Free
$25/yrWhen 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
$25/yrSave 20% when you purchase points with your IHG One Rewards Premier Business Credit Card.
Melio
$25/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel 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 expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Related encyclopedia topics
What annual spend bonuses does the IHG One Rewards Premier Business Credit Card offer?
- Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Common questions about the IHG One Rewards Premier Business Credit Card
Does the IHG One Rewards Premier Business Credit Card have an annual fee?
The IHG One Rewards Premier Business Credit Card carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the IHG One Rewards Premier Business Credit Card?
Dining is the strongest Madeen category for the IHG One Rewards Premier Business Credit Card at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the IHG One Rewards Premier Business Credit Card charge foreign transaction fees?
The IHG One Rewards Premier Business Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the IHG One Rewards Premier Business Credit Card welcome bonus?
The IHG One Rewards Premier Business Credit Card welcome offer in our snapshot: Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the IHG One Rewards Premier Business Credit Card annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the IHG One Rewards Premier Business Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the IHG One Rewards Premier Business Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the IHG One Rewards Premier Business Credit Card compare to similar cards?
Compare the IHG One Rewards Premier Business Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); Chase Sapphire Preferred Credit Card (3% on Dining, $95 fee); AARP (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
IHG One Rewards Premier Business Credit Card This card | Dining | 1.5% | $99 |
| Dining | 4.5% | $95 | |
| Dining | 3% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 |
Side-by-side comparisons
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure