IHG Premier Business Credit Card review: Full deta...

The IHG One Rewards Premier Business Credit Card provides adequate perks that, if utilized, can simply justify the cardboard’s annual price of $99. Nevertheless, enterprise homeowners who aren’t loyal to IHG One Rewards could also be higher off with one other enterprise card. Card Score*: ⭐⭐⭐⭐

*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Contemplating that the IHG One  Rewards Premier Business Credit Card has an annual price of solely $99, it provides a shocking variety of perks for vacationers and small-business homeowners who often stick with IHG. In comparison with different hotel-branded enterprise bank cards, the IHG Premier Enterprise card has one of many lowest annual charges and should show engaging merely for that motive.

Advantages embrace automated Platinum Elite status so long as you are a cardholder, a singular fourth-night-free reward perk when redeeming factors for resort stays and a beneficiant welcome bonus. One key perk — the free night certificate obtained every year — can simply cowl the annual price on the IHG Premier Enterprise card. We advocate a credit score of at the least 670 to be authorized for this card.

Let’s take a look at the small print of the IHG Premier Enterprise card to see if it is proper in your firm.

Associated: Who qualifies for a business credit card?

New candidates for the IHG One Premier Business card can earn 140,000 factors after spending $4,000 within the first three months from account opening.

Your bonus will come within the type of IHG points, which TPG pegs at 0.5 cents every per our February 2025 valuations. Thus, this bonus is value a wholesome $700.

It is value noting there’s a warning on the applying web page that you’re not eligible for this bonus when you’ve obtained a welcome bonus on this card inside the previous 24 months. The cardboard launched in early 2022, so most individuals ought to be eligible for the welcome bonus.

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This card is good for many who are beneath 5/24 with Chase. Whereas most enterprise bank cards will not add to your 5/24 status, you do should be beneath 5/24 to use.

Associated: How to track your progress toward a credit card welcome bonus

The IHG One Premier Business card has a modest $99 annual price, however is it value it? The cardboard’s worth depends upon whether or not you may use its advantages often sufficient to justify that annual price.

First, in your cardmember anniversary every year (beginning on the one-year mark and persevering with every year after that, for so long as you retain the account open), you may obtain a free night time award legitimate for a single night time, value as much as 40,000 factors.

Cardholders additionally routinely take pleasure in IHG One Rewards Platinum Elite standing, so long as their account stays open. Platinum members obtain 60% bonus earnings on paid stays booked directly with IHG One Rewards, space-available room upgrades, a welcome amenity (within the type of factors or a drink/snack) and a handful of different perks.

These inquisitive about incomes top-tier Diamond Elite standing can attain this by spending $40,000 on the cardboard in a calendar yr. After assembly the spending threshold, the standing is legitimate via Dec. 31 of the next yr.

You may additionally pay zero factors for each fourth night time when redeeming IHG factors for stays of 4 nights or longer. That is an automated perk that’s mirrored when reserving. That is basically a 25% low cost on stays of precisely 4 nights, so it is an effective way to get much more worth out of the cardboard.

That stated, when you not often redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.

Every calendar yr you spend $20,000, you may earn 10,000 bonus factors and a $100 assertion credit score. TPG’s February 2025 valuations peg these bonus factors at $50, which interprets to a complete worth of $150 with the assertion credit score.

IHG Premier Enterprise cardholders have a handful of different perks to make the most of while you swipe your card:

• TSAPrecheck/International Entry software price credit score: You will be reimbursed as much as $120 each 4 years while you cost a Global Entry, TSA PreCheck or Nexus software price to your card.
• Save 20% on the acquisition of IHG factors while you pay along with your card.
• As much as $50 in United TravelBank money every calendar yr while you register your IHG One Premier card along with your MileagePlus account.
• Auto rental collision damage waiver: Once you decline the rental firm’s collision insurance coverage and cost the whole rental value to your card, you may get protection towards theft and collision. Protection is secondary when renting inside the U.S., however major when renting for enterprise functions.
• Trip cancellation and trip interruption insurance: You will be reimbursed as much as $1,500 per particular person and as much as $6,000 per journey for pay as you go, nonrefundable journey bills in case your journey is canceled or reduce brief for a lined motive.
• Purchase protection: Your new purchases are lined for 120 days towards injury or theft. There’s a restrict of $10,000 per declare and as much as $50,000 per account.

These advantages will be good to have when issues go mistaken.

Typically, you will not get implausible incomes charges on most hotel credit cards — particularly on broad classes like eating and groceries. That stated, the IHG One Premier Business card could possibly be a strong choice, particularly at taking part IHG properties.

Once you use your card at IHG inns and resorts, you may earn 10 factors per greenback spent in your keep. That is along with the ten base factors that each one IHG One Rewards members accrue at most taking part manufacturers. And since you could have automated Platinum Elite standing with the cardboard, that’ll provide you with one other 60% bonus on high of the bottom factors. Mixed, that interprets to a complete of 26 factors per greenback spent on most IHG stays — or a 13% return on spending, based mostly on TPG’s February 2025 valuations.

Past IHG purchases, cardholders of the IHG Premier Enterprise will earn factors on the following charges:

• 5 factors per greenback spent on journey, eating and gasoline purchases
• 5 factors per greenback spent in choose enterprise classes, akin to social media and search engine promoting and at workplace provide shops
• 3 factors per greenback spent on all different purchases

That interprets to a 2.5% return on the bonus classes based mostly on TPG’s February 2025 valuations, although it drops to 1.5% on on a regular basis purchases — a price of return decrease than many other cards.

Associated: How to earn IHG points via stays, credit cards and more

On the opposite finish, there is not any revealed most price, though for IHG’s core manufacturers, the best we have seen is 120,000 factors per night time. Nevertheless, properties in companion manufacturers akin to Six Senses often exceed this.

Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. In reality, you might be able to redeem IHG One Rewards points for considerably extra worth when you spend a while looking.

You are not restricted to solely utilizing factors in your keep. You may as well ebook rooms utilizing a mixture of factors and money, which may provide first rate worth in sure circumstances.

Nevertheless, it is value noting simply how these reservations are confirmed. IHG successfully sells you the additional factors (for money) after which makes use of the total variety of factors for the keep. You normally pay 0.63 to 0.66 cents for every IHG level used to make up the distinction. IHG typically sells factors at this worth (or cheaper), which will be one other technique to high off your account.

As famous above, while you redeem factors for a keep of 4 nights or longer, each fourth night time will value zero factors. There isn’t any restrict to how typically you should use this profit — although it solely applies to full award stays, not these booked utilizing money and factors.

Associated: How to redeem points with the IHG One Rewards program

Because the IHG Premier Business card is a resort bank card aimed toward small-business homeowners, it is value the way it stacks up towards different hotel-branded enterprise bank cards.

The data for the Wyndham Rewards Earner Enterprise card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Learn extra: The best hotel credit cards with annual fees under $100

Sure — so long as you’ll be able to take advantage of the cardboard’s perks. The IHG Premier Business card has an annual price of $99 and provides an annual free night time award that may simply be redeemed for extra worth than that. Cardholders additionally earn factors at strong charges when making purchases in bonus classes, although the incomes price on on a regular basis purchases is not implausible.

Small-business homeowners loyal to IHG or these merely trying to diversify their journey technique can discover adequate worth to justify the cardboard’s annual price every year. If you end up underutilizing the perks or reserving stays at various resort manufacturers, we might advocate a extra common business credit card as a substitute to maximise your probability of incomes useful rewards.

Apply right here: IHG One Rewards Premier Business Credit Card

For charges and costs of the Hilton Enterprise Amex, click on here.