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Chase IHG Business
Chase

Chase IHG Business

Annual fee
$99
Rewards
IHG One Rewards Points
Benefits
10 · $620/yr
Data verified Aug 18, 2026 · from the MaxWorth database · not endorsed by Chase · disclaimer

Earn Rates

CategoryRateTrue cash-back value
IHG 10x 5%
Travel 5x 2.5%
Dining 5x 2.5%
Advertising 5x 2.5%
Office Supply 5x 2.5%
Gas 5x 2.5%
Everything else 3x 1.5%

True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.

Credits (5)

Additional Free Night

$200/yr
Annual

Earn an additional free Reward Night after you spend $60,000 on purchases each calendar year.

Anniversary Free Night

$200/yr
Annual

Anniversary 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.

Global Entry/TSA PreCheck Credit

$120/yr
Annual

You will receive one statement credit every four years (up to $120) after the first program (either Global Entry or TSA PreCheck or NEXUS) application fee is charged to your IHG One Rewards Premier Business Credit Card, by you or an authorized user.

Annual Spending Bonus

$100/yr
Annual

You will receive a $100 statement credit and 10,000 bonus points each calendar year during which you spend at least $20,000 in purchases.

Fourth Night Free

Annual

For 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.

Status & Elite Perks (2)

Automatic Platinum Elite Status

Annual

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

Annual

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 (2)

Purchase Protection

Annual

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

Annual

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.

Other (1)

Points Purchase Discount

Annual

Save at least 20% on points purchases when you pay for those points with your IHG One Rewards Premier, Premier Business or Traveler Credit Cards.

Stop tracking this in a spreadsheet.

The MaxWorth app tracks all 10 Chase IHG Business benefits automatically — redemption progress, reset dates and expiry alerts.

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