Points · Mastercard · $200 annual fee
Last verified 2026-10-26. Review issuer source
Chase IHG One Rewards Business is a $200-a-year points card from Chase. Its best everyday rates are 5x on advertisements, 5x on airfare, and 5x on car rentals; everything else earns 3x. There is also 10x on IHG Hotels & Resorts, a single-merchant rate. Rewards are IHG One Rewards points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year it earns $916, which clears the $200 fee with $716 to spare before any credits or perks. The welcome bonus, 190,000 points after $5,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Earn 5X total points on select advertising
Earn 5X total points on flights booked directly
Earn 5X total points on car rental agencies
Earn 5X total points on dining
Earn 5X total points at gas stations
Up to 26X total points at IHG® Hotels and Resorts That's 10X points with this card. Plus up to 10X points from IHG® for being an IHG One Rewards member. Plus up to 4X points from IHG® with Platinum Elite Status, a benefit of this card.
Earn 190,000 Bonus Points after spending $5,000 in the first 3 months from account opening.
$100 Airline Statement Credit - When you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27.
Up to $100 in annual Food and Beverage Rewards at IHG hotels - Enjoy a $25 Food and Beverage Reward voucher quarterly to redeem at IHG Hotels.
Up to $100 in statement credits for Expensify purchases each calendar year.
Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit - Receive a statement credit of up to $120 every four years for the application fee of Global Entry, TSA PreCheck® or NEXUS when charged to your Card.
Up to $120 in DoorDash non-restaurant promo - Get up to $10 off monthly on groceries, everyday essentials, and more on DoorDash through Dec 31, 2027 as long as you remain enrolled in your Chase DashPass membership. Only for enrollees who sign up for this Chase DashPass membership on or after Sep 1, 2026.
Up to $120 in Instacart credits - Receive a $10 Instacart credit monthly for purchases made directly through Instacart with your IHG credit card.
Each year, after your card anniversary, you'll receive an Anniversary Free Night with a redemption cap of 50,000 points good for a night at one of our eligible IHG® Hotels & Resorts worldwide. You can use points from your IHG One Rewards account to redeem your Anniversary Night above the 50,000 point redemption level.
Complimentary DashPass ($120 Value) - Get one-year complimentary DashPass by DoorDash, 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.
Starting in 2027, each calendar year that you spend $50,000 on purchases you qualify for Diamond Elite Status.
Earn 2 Elite Night Credits (ENC) for every $5,000 spent on purchases with your IHG One Rewards Business Card.
Earn an additional 5 Elite Night Credits (ENC) after you spend $25,000 on purchases each calendar year. These 5 ENC are in addition to the 2 ENC you receive for every $5K you spend on your card.
Get 15 Elite Night Credits (ENC) on your account opening and at the start of each calendar year, providing a head start towards a Milestone Reward and your next status tier.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a IHG One Rewards Business cardmember, and as long as your IHG One Rewards membership remains in good standing.
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
When 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 30% when you purchase points with your IHG One Rewards Business Credit Card.
You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
These come from Mastercard, not from Chase. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Fuel 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.
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Save 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Save 10% on all scheduled rides to U.S. airports when you pay with your World Elite Mastercard for Business. Offer expires on 3/31/2026.
Impress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Enhance travel with cash back rewards when traveling internationally and shopping from your home.
Paying 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.
Grow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
Complimentary access to My Cyber Risk to see where your business may be exposed to cyber threats.
Share with your clients both in-person and digital experiences in dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard cardholders. Visit priceless.com.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| IHG One Rewards Business Credit CardThis card · 5x on advertisements | $200 | $916 | +$716 | 584th of 750 |
| Ink Business Unlimited® Credit CardChase's most-held other card · 1.5% on everything | None | $1,098 | +$1,098 | 162nd of 750 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 750 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 750 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
