IHG One Rewards Premier Business by Chase: 10x hotels, 5x advertising (search / social media), 5x dining & restaurants, 5x gas stations, 5x office supply…
The IHG One Rewards Premier Business is Chase's mid-tier credit card. The $99/yr annual fee includes a 140,000-point welcome bonus after spending $4,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| United TravelBank Cash | $50/yr | Up to $50/yr in United TravelBank Cash after registering the card with a United MileagePlus account |
Welcome bonus value (year one): ~$840. Annual statement credits: $50. Minus the $99 annual fee = ~$791 in year-one net value before any spending earn. RewardsGuru rating: 4.2/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
140,000 points after spending $4,000 in the first 3 months. At our ~0.6¢/pt valuation, that's roughly $840 in real value.
Year-one math: welcome bonus value (~$840) + annual credits ($50) − $99 fee = ~$791 net before spending earn. Year-two onward, the credits alone need to clear $99 — they do not. Worth it if you'll use the credits, skip if you'd let them expire.
1 recurring statement credit: United TravelBank Cash ($50/yr). Total: $50/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.