Chase · Mastercard World Elite · Business
IHG One Rewards Business
A $99-a-year business card earning IHG Rewards: 10× on Hotels (Portal), 3× on everything else.
- Annual fee
- $99Charged every year
- Signup bonus
- 140,000 ≈ $789 in travel (our estimate)*
- Top rate
- 10×Hotels (Portal)
- Point value
- 0.56¢ In travel · 0.56¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 140,000 points | $789 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$99 | −$99 |
| NetYear one includes the bonus · at your inputs · our estimates* | $690 | −$99 |
Bonus terms: Earn 140,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an employee card to your account in the first 3 months from account opening.
Earning structure
13 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Hotels (Portal) | 10× | $5.63 | |
Airfare NotesAirline tickets purchased directly with the airline. | 5× | $2.82 | |
Airfare (Portal) NotesPortal not required | 5× | $2.82 | |
| Car Rentals | 5× | $2.82 | |
Car Rentals (Portal) NotesPortal not required | 5× | $2.82 | |
Dining NotesRestaurants, including takeout and eligible delivery services. | 5× | $2.82 | |
Gas Stations NotesGas stations only. Does not include EV charging. | 5× | $2.82 | |
Hotels Ends Jan 1, 2027NotesNon-IHG hotels only, as part of travel. IHG participating hotels earn 10x. Purchases must post in this window. | 5× | $2.82 | |
Marketing / Advertising NotesSocial media and search engine advertising bought directly from those merchants. Excludes ad agencies and non-advertising purchases. | 5× | $2.82 | |
Office Supplies Ends Jan 1, 2027NotesOffice supply stores. Purchases must post in this window; merchant delays can miss it. | 5× | $2.82 | |
Travel Ends Jan 1, 2027NotesExcludes purchases at hotels participating in IHG One Rewards, which earn 10x instead. Purchases must post in this window; merchant delays can miss it. | 5× | $2.82 | |
Travel (Portal) Ends Jan 1, 2027NotesSame travel rate as non-portal bookings. Excludes IHG participating hotels, which earn 10x. Purchases must post in this window. | 5× | $2.82 | |
| All Other | 3× | $1.69 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $99
- Card type
- Business
- Network
- Mastercard World Elite
- Bank
- Chase
- Point system
- IHG Rewards
- Travel value (our estimate)*
- 0.56¢ per point
- Cash value (our estimate)*
- 0.56¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules4
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
- No CR
This business card will not show on your personal credit report, so it won't count against your 5/24 status.
Benefits23 · 3 high value
- Anniversary Bonuses High valueAnniversary Free Night
- Credits & Discounts High valueRedeem 3 Nights, Get 4th Night Free + 8 more credits & discounts benefits
- Instant Perks & Status High valuePlatinum Elite Credit Cardmember status + 1 more instant perks & status benefit
- Airport Express Credits $120 Global Entry / TSA PreCheck / NEXUS Credit
- Car Rental Insurance Auto Rental Coverage
- Earn Perks & Status $60,000 Spend Free Night + 4 more earn perks & status benefits
- Travel Protections Extended Warranty Protection + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 IHG One Rewards Business |  Chase Ink Business Preferred |  World of Hyatt Business |  American Express Business Green Rewards | |
|---|---|---|---|---|
| Annual fee | $99 | $95−$4 | $199+$100 | $95−$4 |
| Signup bonus | 140,000 pts | 100,000 pts | 70,000 pts | 15,000 pts |
| Top rate | 10×Hotels (Portal) | 3×16 categories | 4×Hotels (Portal) | 2×Airfare (Portal), Hotels (Portal) |
| Travel value * | 0.56¢IHG Rewards | 1.85¢Ultimate Rewards | 1.52¢World of Hyatt | 1.9¢Membership Rewards |
| Why it’s here | This card | An annual fee within $100, with transferable points; business card | An annual fee within $100; business card | An annual fee within $100, with transferable points; business card |
Chase Ink Business Preferred
$95 fee (−$4) · 3× top100,000 pts bonusAn annual fee within $100, with transferable points; business card
World of Hyatt Business
$199 fee (+$100) · 4× top70,000 pts bonusAn annual fee within $100; business card
American Express Business Green Rewards
$95 fee (−$4) · 2× top15,000 pts bonusAn annual fee within $100, with transferable points; business card
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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