IHG One Rewards Business Credit Card

Chase

Business

Key facts

Annual fee$200
RewardsPoints
Everything else earns3x points
Minimum credit score670

Earn rates

Category	Rate	Cap
Travel (hotel) — Hotels participating in IHG One Rewards	10x points	No cap stated
Dining	5x points	No cap stated
Gas	5x points	No cap stated
Travel (air) — booked direct	5x points	No cap stated
Travel (other) — Car rental agencies	5x points	No cap stated
Everything else	3x points	No cap stated

Rates that change

5x points on Travel (air) until 2026-12-31
5x points on Travel (other) until 2026-12-31

At specific merchants

5x points at Social media and search engine advertising
5x points at Office supply stores (3x after 12/31/2026)

Signup bonus

190,000 points after $5,000 of spend in the first 3 months.

Credits and benefits

The credits the catalog models as fee offsets. Not a complete list of every perk.

$25 a quarter at IHG Hotels & Resorts (Food & Beverage Rewards) — Up to $100 per calendar year; vouchers expire at the end of the quarter issued; applied to the room bill
$100 a year — One credit per calendar year after a $250 purchase on flights bought directly with the airline
$100 a year at Expensify
$120 a year at DoorDash DashPass, activation required — One year complimentary, then automatically enrolled at the current monthly rate; activate by 12/31/2027
$10 a month at DoorDash, activation required — Monthly for DashPass enrollees who sign up on or after 9/1/2026; earlier enrollees get $10 each calendar quarter
$120 every 4 years — Global Entry, TSA PreCheck or NEXUS application fee
$10 a month at Instacart, activation required — Loaded monthly while an Instacart+ membership is active

Applying

Foreign transaction fee: 0%

Issuer's page for this card

Business requirements

Chase says generally anyone who has a business can apply, including freelancers, independent contractors, self-employed business owners and gig workers; sole proprietors may use a personal SSN instead of an EIN.

Generally, anyone who has a business can apply for a business credit card. This includes freelancers, independent contractors, self-employed business owners and gig workers.
While formal businesses typically apply with an EIN, sole proprietors and other self-employed individuals may use a personal SSN.
Annual revenue (can be $0 if you have yet to earn money)

Notes

Modeling note: travel_portal uses a flat catalog cents-per-point on combined travel_air + travel_hotel + travel_other needs; portal-only earn bonuses, portal redemption caps, and partner-specific transfer ratios are not included in optimizer ranking. Plus 10,000 bonus points after adding an employee card in the first 3 months from account opening.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Chase; the card name is its owner's trademark.

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