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Chase
BusinessEnds Nov 18, 2026

Chase IHG One Rewards Business

PerkSensei Desk · Last updated

Is this deal useful?

At a glance

Bonus
190,000 points + 10,000 points for adding a userIHG One Rewards
To earn it
Spend $5,000 in 3 months
Annual fee
$200 annual fee
Credits
Up to $540 in year one if you use every credit
6 credits with a dollar value
Apply by
Nov 18, 2026

Biggest catches

  • Employee bonus is a one-time award

    The extra 10,000 points pay only once, for the first employee card you add. creditcards.chase.com

  • 5X travel narrows on Jan 1, 2027

    From 2027, 5X travel covers only airline tickets bought from the airline and car rental agencies. Other travel and office-supply stores drop to 3X. creditcards.chase.com

YMMV: approval and bonus eligibility are the issuer's decision.

Terms and eligibility can change. Confirm the details with the issuer before you apply.

Credits and perks

Most used first. Tick what you don't need and the math leaves it out, or edit a value to what it's worth to you. Full terms are on the issuer's site.

  1. Global Entry, TSA PreCheck or NEXUS credit (once every 4 years)

    $120 every 4 years
    Edit the value of Global Entry, TSA PreCheck or NEXUS credit (once every 4 years)
    Easy to use
    Details

    Charge the application fee to the card.

    creditcards.chase.com

  2. Expensify credit

    $100 each calendar year
    Edit the value of Expensify credit
    Takes some planning
    Details

    Buy Expensify directly with the card.

    creditcards.chase.com

  3. Airline credit (after $250+ on flights bought from the airline)

    $100 each calendar year
    Edit the value of Airline credit (after $250+ on flights bought from the airline)
    Takes some planning
    Details

    Spend at least $250 on flights bought directly from an airline with the card in a calendar year.

    Offered through Dec 31, 2027.

    creditcards.chase.com

  4. Anniversary Free Night (hotels up to 50,000 points)

    ~$250 a yearfrom year 2
    Edit the value of Anniversary Free Night (hotels up to 50,000 points)
    Takes some planning
    Details

    It arrives each account anniversary; book an IHG hotel costing 50,000 points or less a night.

    creditcards.chase.com

  5. Food & beverage voucher ($25 a quarter, IHG hotels)

    $25 a quarter$100 a year
    Edit the value of Food & beverage voucher ($25 a quarter, IHG hotels)
    Hard to use
    Details

    Redeem the quarterly voucher on your room bill at an IHG hotel.

    You need a stay each quarter to use all four.

    creditcards.chase.com

  6. Instacart credit ($10 a month, needs Instacart+)

    $10 a month$120 a year
    Edit the value of Instacart credit ($10 a month, needs Instacart+)
    Hard to use
    Details

    Keep an active Instacart+ membership and order with the card; a 3-month Instacart+ membership is included.

    After the free 3 months you need a paid Instacart+ membership.

    creditcards.chase.com

Year one
+$1,290Est. $950+ bonus + $540 credits − $200 fee
Each year after
+$500$700 credits − $200 fee

Assumes you use each credit in full. Tick any you won't use, or edit a perk's value.

Global Entry, TSA PreCheck or NEXUS credit (once every 4 years) ($120 every 4 years) counts in full in year one, then $30 a year.

With the credits you'd use, you come out ahead in year one and every year after.

Sensei looks delighted

Sensei's take

  • Strong churn
  • Keep a few years
  • Travel wallet: maybe

190,000 points after $5,000 in 3 months is a big launch offer, and it runs only through Nov 18, 2026. At $200, the anniversary free night plus the airline credit can cover the fee for someone who stays at IHG once a year. Treat the quarterly dining voucher and Instacart credit as extras, not reasons to keep it.

Our opinion, from the facts on this page as of Oct 22, 2026.

Weighing this card? Put it before the Money Court jury

How today's offer compares

Today
190,000 points
Highest in 3 years
200,000 points
$9,000 spend in 6 months

Today's offer is 10,000 points below the highest public offer in the last 3 years.

Doctor of Credit: 200,000 pointsdoctorofcredit.comThird-party source

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

Public offers anyone could apply for since Oct 2023, from the bonus-history sources we checked. Whether the first-year fee was waived isn't counted. Targeted and referral offers aren't compared.

Sources

Offer terms (browser check)sites.chase.comOfficial sourceChecked Oct 21, 2026
IHG One Rewards Business Credit Card official product pagecreditcards.chase.comOfficial sourceChecked Oct 22, 2026
Chase Introduces New IHG One Rewards Premier Select Credit Card, Plus Updates Across Entire IHG One Rewards Card Portfolioihgplc.comOfficial sourceChecked Oct 22, 2026

Terms can change. Spotted something out of date? Tell us and we'll recheck it against the provider's page.

Report outdated terms

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