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Chase credit card

IHG One Rewards Business Credit Card

$200 a year. 190,000 IHG One Rewards points after you spend $5,000 in 3 months. Purchase APR 19.49–27.99%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

190,000 points

After you spend $5,000 on purchases in your first 3 months.

Spending it takes
$1,667 a month
for 3 months
Tracking since
Oct 8, 2026
history will chart every change

After qualifying, allow 6 to 8 weeks for the bonus to post. The account must be open and not in default at fulfillment.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender−$200−$200
Typical spender−$200−$200
Heavy spender−$200−$200
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 5x office supply stores through December 31, 2026; points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards); welcome bonus needs $5,000 in 3 months.

−$200a year

The same in the first year and after.

Rewards and credits$0

−$200 after the fee−$200 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 5x office supply stores through December 31, 2026; points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards); welcome bonus needs $5,000 in 3 months.

−$200a year

The same in the first year and after.

Rewards and credits$0

−$200 after the fee−$200 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x office supply stores through December 31, 2026; points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).

−$200a year

The same in the first year and after.

Rewards and credits$0

−$200 after the fee−$200 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x office supply stores through December 31, 2026; points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $300

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

IHG One Rewards

How you earn

10×
hotels participating in IHG One Rewards
5×
gas stationsdining at restaurants including takeout and eligible delivery servicessocial media and search engine advertisingtravel, excluding purchases made at hotels participating in IHG One Rewards that qualify for 10 points, through December 31, 2026office supply stores through December 31, 2026airline tickets when purchased directly with the airline, after December 31, 2026car rental agencies, after December 31, 2026
3×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.

Benefits

  • Airline statement credit: $100 annual
  • Expensify statement credit: $100 annual
  • Global Entry, TSA PreCheck or NEXUS application fee credit: $120 every 4 years
  • Instacart credit: $10 monthly
  • Purchase protection: $10,000 per item
All 6 benefits
  • Trip cancellation: Up to $1,500 per covered traveler and $6,000 per trip

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$200 · sites.chase.com, since Oct 8, 2026
Does it charge a foreign transaction fee?
No. · sites.chase.com, since Oct 10, 2026
What is the purchase APR?
19.49–27.99% APR · chase.com, since Oct 8, 2026
Is there a welcome bonus?
190,000 IHG One Rewards points after $5,000 in purchases in 3 months. · chase.com, since Oct 8, 2026
See it on chase.com

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