IHG Premier Business Benefits, Credits & Annual Fee

• 20,000 Bonus Points after $25,000 Spend20,000 pts / yrTrackableMin spend $25,0000

  Earn 20,000 bonus points after you spend $25,000 on purchases in a calendar year. The bonus is awarded automatically once you reach that spending. The spending count resets each calendar year.

  Resets: Calendar yearChecked Oct 9, 2026
• Airline Statement Credit$100 / yrTrackable

  Get a $100 statement credit once you spend at least $250 on flights. The purchase must be made directly with the airline. You can earn the credit each calendar year, and the benefit runs through 12/31/27.

  Resets: Calendar yearChecked Oct 9, 2026
• Complimentary Instacart+ MembershipEnrollment required

  Cardholders can activate a complimentary 3-month Instacart+ membership, which removes delivery fees on eligible orders and lowers service fees. Activate through your card benefits portal before December 31, 2027, to take advantage of this offer.

  Checked Sep 28, 2026
• DoorDash Quarterly Non-Restaurant Credit$10 / moTrackableEnrollment required

  Get up to $10 off each month on DoorDash orders for groceries, everyday essentials, and other non-restaurant items. You must stay enrolled in Chase DashPass. The promo runs through Dec 31, 2027 and applies only to enrollees who sign up on or after Sep 1, 2026.

  Resets: MonthlyChecked Oct 9, 2026
• Expensify Statement Credit$100 / yrTrackable

  Get up to $100 back in statement credits each calendar year on Expensify purchases. Pay Expensify directly with your card and the credit appears on your statement. The credit resets every calendar year, and unused amounts don't roll over.

  Resets: Calendar yearChecked Oct 9, 2026
• Food and Beverage Rewards at IHG Hotels$25 / qtrTrackable

  Get a $25 Food and Beverage Reward voucher every calendar quarter. Use it on eligible food and beverage charges on your room bill at participating IHG hotels. The voucher applies only during your stay at those hotels, so plan to use it on your next trip.

  Resets: QuarterlyChecked Oct 9, 2026
• Global Entry / TSA PreCheck / NEXUS Application Fee Credit$120 / 4yrTrackable

  Charge your Global Entry ($120), TSA PreCheck, or NEXUS application fee to your card and receive a statement credit covering the full cost. The credit posts automatically after the charge appears. One application fee is covered per credit cycle.

  Resets: Every 4 yearsChecked Oct 9, 2026
• Instacart Monthly Credit$10 / moTrackableEnrollment requiredMin charge $10

  Get a $10 Instacart account credit each month you have an active Instacart+ membership. As the primary cardholder, activate the complimentary Chase Instacart+ membership with your card through Instacart's Chase offer page. Monthly credits are available from May 1, 2025, through December 31, 2027.

  Resets: MonthlyChecked Sep 28, 2026
• United TravelBank Cash Credit$50 / yrTrackableEnrollment required

  Earn up to $50 in United TravelBank cash each year to put toward United-operated flights. To receive this benefit, link your IHG Premier Business card to your United MileagePlus account. The credit resets annually and must be used through TravelBank for United bookings.

  Resets: Calendar yearChecked May 22, 2026
• Free Night Certificate Big Spend BonusTrackableMin spend $60,000Min charge $60,000

  Spend $60,000 on purchases in a calendar year and earn a second free night certificate valid at IHG properties priced up to 40,000 points per night. This is separate from your anniversary free night and must be used before it expires.

  Resets: Calendar yearChecked Sep 13, 2026

Travel Benefits

• Anniversary Free Night CertificateTrackable

  Each year on your card anniversary, you receive a free night certificate valid at IHG properties priced up to 40,000 points per night. It can be used at a wide range of IHG brands worldwide, and you can add extra points to book properties that cost more than 40,000 points.

  Resets: Card anniversaryChecked Sep 15, 2026
• Redeem 3 Nights, Get 4th Night Free

  When you redeem points for a consecutive four-night IHG hotel stay, you can receive a fourth Reward Night free at that same hotel during that same stay. Applies to points-only reward night stays of four or more consecutive nights at the same property.

  Checked Sep 14, 2026
• Top-Off Free Night Certificate with Points

  When you book a points-only award stay of four or more consecutive nights, every fourth night is automatically free. There is no limit on how many times you can use this benefit, and it stacks - so an eight-night stay gets two nights free. The stay must be paid entirely with IHG points.

  Checked May 22, 2026
• Discount on IHG Points Purchases

  Save 30% when you buy IHG One Rewards points. Pay with your IHG One Rewards Business Credit Card to get the discount. It applies only to points purchases made with this card.

  Checked Oct 9, 2026

Hotel Status

• 15 Elite Night Credits Each Year

  Get 15 Elite Night Credits when you open your account and again at the start of every calendar year. They give you a head start toward Milestone Rewards and your next IHG One Rewards status tier. Credits post to your account automatically.

  Checked Oct 9, 2026
• 2 Elite Night Credits per $5,000 Spent

  Earn 2 Elite Night Credits for every $5,000 you spend on purchases. Credits count toward IHG One Rewards status and Milestone Rewards. Only the primary cardmember earns them, and there's no limit.

  Checked Oct 9, 2026
• 5 Additional Elite Night Credits After $25,000 SpendMin spend $25,0000

  Get 5 extra Elite Night Credits after you spend $25,000 on purchases in a calendar year. They count toward IHG One Rewards elite status and Milestone Rewards. You earn them in addition to credits from other card benefits.

  Checked Oct 9, 2026
• Automatic IHG One Rewards Platinum Elite Status

  Simply holding the card grants you IHG One Rewards Platinum Elite status - no qualifying nights or spending required. You'll receive a 60% points bonus on paid stays, space-available room upgrades, and a welcome amenity at check-in. Status continues as long as you keep the card open.

  Checked May 22, 2026
• Diamond Elite Status after $50,000 SpendMin spend $50,0000

  Qualify for IHG One Rewards Diamond Elite status by spending $50,000 on purchases in a calendar year. This starts in 2027. You need to reach the spending threshold each calendar year to qualify.

  Checked Oct 9, 2026

Rental Car

• Auto Rental Collision Damage Waiver (Primary Coverage on Business Rentals)

  When you charge a business car rental to your card and decline the rental agency's collision coverage, you get primary collision damage waiver protection. Primary coverage means claims are handled through your card benefit first, without involving your personal auto insurance policy.

  Checked May 22, 2026

Travel Insurance

• Trip Cancellation and Interruption Insurance

  Get reimbursed for covered prepaid, nonrefundable travel expenses if a trip is canceled or cut short. Covered reasons include sickness and severe weather; expenses can include fares, tours and hotels. Reimbursement is limited to $1,500 per person and $6,000 per trip.

  Checked Sep 28, 2026

Bonus Earnings

• IHG Stays Bonus Earning - 26X Points

  You can earn up to 26 total points per $1 spent at IHG Hotels and Resorts. This combined rate stacks your card's base earning, your IHG One Rewards membership bonus, and your elite status tier bonus. Actual totals vary depending on your status level and room rate type.

  Checked May 22, 2026
• Big Spend Bonus 10,000 Points20,000 pts / yrTrackableMin spend $20,000

  Earn 20,000 bonus points when you spend $25,000 on purchases in a calendar year. The bonus is added automatically once you reach the spend. The spend count resets each calendar year, so you can earn it every year.

  Resets: Calendar yearChecked Oct 9, 2026
• Travel, Gas, Dining & Advertising Bonus Earning - 5X Points5x points

  Earn 5 points per $1 on travel, gas stations, restaurants, and select advertising purchases. This covers a broad range of everyday business expenses including airfare, non-IHG hotels, fuel, and dining. Check your card agreement for the specific merchant categories that qualify for advertising.

  Checked Sep 30, 2026
• Office Supply & Social/Search Advertising Bonus Earning - 5X Points5x points

  Earn 5 points per $1 at office supply stores and on social media and search engine advertising spend. This includes qualifying ad purchases on platforms such as Google and Meta when charged directly to your card. Eligible merchant categories are determined by the card network.

  Checked Sep 30, 2026
• Base Earning Rate - 3X Points3x points

  Every purchase that doesn't qualify for a higher bonus category earns 3 points per $1 spent. This rate applies automatically with no enrollment needed and covers all general spending not tied to IHG stays, travel, dining, gas, or advertising.

  Checked Sep 30, 2026

Dining Benefits

• Complimentary DoorDash DashPassEnrollment required

  Get 12 months of complimentary DashPass for use in the DoorDash and Caviar apps. Activate the membership for the first time with your card between February 1, 2025, and December 31, 2027. Your 12-month period starts on your first activation date.

  Checked Sep 28, 2026

Purchase Protection

• Purchase Protection

  Get coverage for eligible new purchases if they're damaged or stolen. Use your card to make the purchase; coverage lasts 120 days from the purchase date. The limit is $10,000 per item.

  Checked Oct 9, 2026

Fees & Miscellaneous

• No Foreign Transaction Fees

  There are no foreign transaction fees on any purchases made outside the U.S. or billed in a foreign currency. This applies to both in-person and online international transactions, making the card a cost-effective option for business travel abroad.

  Checked May 22, 2026
• Refer-a-Friend Bonus Points50,000 pts

  Earn 10,000 bonus points for each friend or business owner you refer who is approved for an IHG One Rewards credit card. Share your referral link to invite them to apply. The bonus requires approval, not just an application.

  Checked Oct 9, 2026