IHG Premier Business Card review: The annual fee is justified

The IHG One Rewards Premier Business Credit Card (see rates and fees) presents first rate perks that, if utilized, can simply justify the cardboard’s $99 annual charge. 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 relies 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 charge of solely $99, it presents many perks for vacationers and small-business owners who ceaselessly 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 cause.

Advantages embody automated 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 useful welcome bonus. One key perk — the free night certificate obtained annually — can simply cowl the annual charge on the IHG Premier Enterprise card.

We advocate 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 in 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.

Based on TPG’s September 2025 valuations, the welcome provide 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. In case you missed your probability to use again then, now is a superb time to make the most of the provide if this card has been in your radar.

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It is value noting that the appliance web page warns that you’re not eligible for this bonus in case you’ve obtained a welcome bonus on this card inside the previous 24 months.

This card is right for Chase clients underneath 5/24. Whereas most enterprise bank cards will not affect your 5/24 status, you do have to 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 charge, however is it value it? The cardboard’s worth relies on whether or not you will use its advantages ceaselessly sufficient to justify that annual charge.

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

Cardholders additionally robotically 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 thinking 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 will additionally pay zero factors for each fourth evening. That is an automated 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 mentioned, in case you not often redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.

In case you spend $20,000 every calendar yr, you will 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/International Entry software charge credit score: Once you cost a Global Entry, TSA PreCheck or Nexus software charge to your card, you could 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 harm waiver: Once you decline the rental firm’s collision insurance coverage and cost the whole rental value to your card, you will get coverage against 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 could 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 lower brief for a lined cause.
• Purchase protection: Your new purchases are lined for 120 days in opposition to harm 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 incorrect.

Usually, you will not get improbable incomes charges on most hotel credit cards — particularly on broad classes like eating and groceries. That mentioned, the IHG Premier Business card may very well be a strong choice, particularly at collaborating IHG properties.

Once you use your card at IHG resorts and resorts, you will 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 collaborating manufacturers. And since you’ve gotten automated Platinum Elite standing with the cardboard, that’ll offer you one other 60% bonus on prime of the bottom factors. This mixture interprets to a complete of 26 factors per greenback spent on most IHG stays — or a 13% return on spending, primarily based 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 primarily based on TPG’s September 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 isn’t any revealed most price, though for IHG’s core manufacturers, the best we have seen is 120,000 factors per evening. Nevertheless, properties in accomplice manufacturers equivalent to Six Senses ceaselessly exceed this.

Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. The truth is, you might be able to redeem IHG One Rewards points for considerably extra worth in case you spend a while looking out.

You are not restricted to solely utilizing factors in your keep. You may as well guide rooms utilizing a mixture of factors and money, which might 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 value (or cheaper), which could be one other approach to prime off your account.

As famous above, if you redeem factors for a keep of 4 nights or longer, each fourth evening will value zero factors. There is not 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 IHG One Rewards points for hotel stays

Because the IHG Premier Business card is a lodge bank card geared toward small-business homeowners, it is value taking a look at the way it stacks up in opposition to different hotel-branded enterprise bank cards.

The knowledge 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 offered 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 charge of $99 and presents an annual free evening 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 improbable.

Small-business homeowners loyal to IHG or these merely seeking to diversify their journey technique can discover adequate worth to justify the cardboard’s annual charge annually. If you end up not maximizing the perks or reserving stays at various lodge manufacturers, we might advocate a extra normal business credit card as an alternative to maximise your probability of incomes useful rewards.

Apply right here: IHG Premier Business card

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