Points · Mastercard · $99 annual fee
Last verified 2026-09-09. Review issuer source
Chase IHG One Rewards Premier Business is a $99-a-year points card from Chase. It earns 3x on every purchase with no categories to track. 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 $732, which clears the $99 fee with $633 to spare before any credits or perks. The welcome bonus, 140,000 points after $4,000 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 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.
Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Get 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.
Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier Business cardmember, and as long as your IHG One Rewards membership remains in good standing.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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 20% when you purchase points with your IHG One Rewards Premier Business Credit Card.
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.
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
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.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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.
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.
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.
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 Premier Business Credit CardThis card · 3x on everything | $99 | $732 | +$633 | 717th of 752 |
| Ink Business Unlimited® Credit CardChase's most-held other card · 1.5% on everything | None | $1,098 | +$1,098 | 161st of 752 |
| 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 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
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.
