Chase · Business card
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card has a $99 annual fee and up to $240 a year in statement credits, across four credits. Three of the five IHG One Rewards Premier Business Credit Card credits need a one-time enrollment before any spending counts, and Chase will not apply them retroactively.
- Annual fee
- $99
- Charged on your account anniversary
- Credits a year
- Up to $240
- 4 statement credits, used in full
- Need enrollment
- 3 of 5
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Instacart monthly creditEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| United TravelBank Cash creditEnroll first$50 a year. On January 1 | $50 a year | On January 1 | $50 |
| DoorDash non-restaurant creditEnroll first$10 a quarter. Every quarter (January, April, July, October) | $10 a quarter | Every quarter (January, April, July, October) | $40 |
| Global Entry, TSA PreCheck or NEXUS credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| $20,000 spend statement credit$100 a year. On January 1 | $100 a year | On January 1 | Not countedOnly after $20,000 of spending, so not in the total |
| Total a year, if you use every credit | $240 |
What people get wrong
- Enrollment comes first. Three benefits need a one-time enrollment. Spend before you enroll and nothing posts, because Chase will not apply a credit retroactively.
- Some credits need spending first. Those are listed above but left out of the total, because you don't get them by default.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the IHG One Rewards Premier Business Credit Card
What is the annual fee on the IHG One Rewards Premier Business Credit Card?
$99 a year, charged each year on your account anniversary.
How much are the IHG One Rewards Premier Business Credit Card credits worth?
Up to $240 a year if you use all four statement credits in full. The largest: Instacart monthly credit ($120), United TravelBank Cash credit ($50) and DoorDash non-restaurant credit ($40).
Which IHG One Rewards Premier Business Credit Card benefits need enrollment?
Three of the five: Instacart monthly credit, United TravelBank Cash credit and DoorDash non-restaurant credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the IHG One Rewards Premier Business Credit Card credits reset?
Monthly credits reset on the 1st of each month; quarterly credits on January 1, April 1, July 1 and October 1; and yearly credits on January 1. Unused credit does not roll over.
Is the IHG One Rewards Premier Business Credit Card worth the $99 fee?
On credits alone, only if you use at least 42% of them. They add up to $240 a year against the $99 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the IHG One Rewards Premier Business Credit Card earn?
IHG One Rewards points, worth about 0.55 cents each in a typical redemption.
