IHG Premier Business Card review: The annual fee i...

The IHG One Rewards Premier Business Credit Card (see rates and fees) affords first rate perks that, if utilized, can simply justify the cardboard’s $99 annual price. Nevertheless, enterprise homeowners who aren’t loyal to IHG One Rewards could also be higher off with one other enterprise card. Card ranking*: ⭐⭐⭐⭐

*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 card has an annual price of solely $99, it affords many perks for vacationers and small-business owners who incessantly 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 will show engaging merely for that motive.

Advantages embody computerized Platinum Elite status so long as you are a cardholder, a novel fourth-night-free reward perk when redeeming factors for lodge stays and a helpful welcome bonus. One key perk — the free night certificate acquired every year — can simply cowl the annual price on the IHG Premier Enterprise card.

We suggest a credit score of no less than 670 to extend your possibilities of approval for this card.

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

New candidates for the IHG Premier Business card can earn as much as 200,000 bonus factors: 140,000 bonus factors after spending $4,000 on purchases within the first three months from account opening and an extra 60,000 bonus factors after spending $9,000 within the first six months from account opening.

In keeping with TPG’s September 2025 valuations, the welcome supply is value as much as $1,000.

That is the highest offer we have seen on this card and was beforehand out there from March to April 2025. Should you missed your likelihood to use again then, now is a superb time to benefit from the supply if this card has been in your radar.

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It is value noting that the applying web page warns that you’re not eligible for this bonus if you happen to’ve acquired a welcome bonus on this card inside the previous 24 months.

This card is good for Chase clients underneath 5/24. Whereas most enterprise bank cards will not affect your 5/24 status, you do must be underneath 5/24 to use.

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

The IHG 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 incessantly 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 robotically get pleasure from 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 fascinated 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 by Dec. 31 of the next yr.

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

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

Should you spend $20,000 every calendar yr, you may earn 10,000 bonus factors and a $100 assertion credit score. TPG’s September 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 use of if you swipe your card:

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

These advantages are good to have if issues go mistaken.

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

Whenever you use your card at IHG resorts and resorts, you may earn 10 factors per greenback spent in your keep. That is along with the ten base factors that every one IHG One Rewards members accrue at most taking part manufacturers. And since you may have computerized Platinum Elite standing with the cardboard, that’ll provide you with one other 60% bonus on high of the bottom factors. This mix 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 September 2025 valuations.

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

• 5 factors per greenback spent on eating, resorts (non-IHG properties) and fuel purchases
• 5 factors per greenback spent at workplace provide shops, social media and search engine promoting
• 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 September 2025 valuations, although it drops to 1.5% on on a regular basis purchases — a charge 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 no revealed most charge, though for IHG’s core manufacturers, the very best we have seen is 120,000 factors per night time. Nevertheless, properties in associate manufacturers corresponding to Six Senses incessantly exceed this.

Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. Actually, you could possibly redeem IHG One Rewards points for considerably extra worth if you happen to spend a while looking.

You are not restricted to solely utilizing factors to your keep. It’s also possible to ebook rooms utilizing a mixture of factors and money, which may supply 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 complete variety of factors for the keep. You often pay 0.63 to 0.66 cents for every IHG level used to make up the distinction. IHG usually sells factors at this worth (or cheaper), which might be one other solution to high off your account.

As famous above, if you redeem factors for a keep of 4 nights or longer, each fourth night time will price zero factors. There is no restrict to how usually you should utilize this profit — although it solely applies to full award stays, not these booked utilizing money and factors.

Associated: How to redeem IHG One Rewards points for hotel stays

Because the IHG Premier Business card is a lodge 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 may take advantage of the cardboard’s perks. The IHG Premier Business card has an annual price of $99 and affords an annual free night time award that may simply be redeemed for extra worth than that. Cardholders additionally earn factors at stable charges when making purchases in bonus classes, although the incomes charge on on a regular basis purchases is not unbelievable.

Small-business homeowners loyal to IHG or these merely seeking to diversify their journey technique can discover ample worth to justify the cardboard’s annual price every year. If you end up not maximizing the perks or reserving stays at various lodge manufacturers, we would suggest a extra basic business credit card as an alternative to maximise your likelihood of incomes helpful rewards.

Apply right here: IHG Premier Business card

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