IHG Premier Business Credit Card review: The annual fee is justified

IHG One rewards your premium business credit card When used, it offers ample perks that can easily justify the annual card’s $99. However, non-loyal business owners IHG 1 reward It may be better to use a different business card. Card rating*: ⭐⭐⭐

*Card rating It is based on the opinions of TPG editors and is not influenced by the card issuer.

Consider that IHG One rewards your premium business credit card It offers a yearly fee of just $99 and offers many perks to travelers and small business owners who frequently stay at IHG. Compared to other hotel brand business credit cards, IHG Premier business cards are one of the lowest annual fees and can prove attractive just for that reason.

Benefits include auto Platinum Elite Status As long as you’re a cardholder, it’s unique Rewards with no 4 nights When you’re looking to redeem your hotel stay and valuable welcome bonus. One important perk – Free Night Certificate Easily cover the annual fees for your IHG Premier business card. I recommend a Credit score At least 670 will be approved for this card.

Take a look at the details of your IHG Premier business card and see if it’s suitable for your company.

Related: Who qualifies for a business credit card?

New applicants for IHG 1 Premium Business Card After spending $4,000 on purchases in the first three months of opening an account, you can earn up to 200,000 points: 140,000 points. After spending a total of $9,000 in the first six months of opening an account, he has another 60,000 points.

Your bonus comes in the form IHG Pointseach worth 0.5 cents according to TPG March 2025 evaluation. Therefore, this bonus is worth up to $1,000.

This is one of the highest offers I’ve seen on this card. According to March 2025, regular offers are about 140,000 bonus points (worth $700) evaluation), and therefore the current promoted bonus is something to jump.

Daily Newsletter

Reward your inbox with TPG Daily Newsletter

Join over 700,000 readers for breaking news from TPG experts, detailed guides and exclusive deals

It is worth noting that if you receive a welcome bonus to this card within the last 24 months, there is a warning on the application page that you are not eligible for this bonus.

This card is perfect for Chase customers 5/24. Most business credit cards It won’t affect 5/24 Statusmust be less than 5/24 to apply.

Related: How to track progress towards credit cards Welcome bonus

IHG 1 Premium Business Card There’s a modest $99 annual fee, but is it worth it? The value of a card will depend on whether or not you use the profit frequently enough to justify the annual fee.

First, on your annual Card Member Anniversary (starting with the year mark and then continuing every year as long as you leave your account open), you will receive a free night award valid for one night worth up to 40,000 points.

Additionally, cardholders will automatically enjoy IHG One Platinum Elite status as long as their account is open. Platinum members receive 60% bonus revenue for paid stays I booked directly through IHG One Rewardsspace-available room upgrades, welcome amenities (in the form of points or drinks/snacks), and other perks.

Those interested in achieving top-notch Diamond Elite status can achieve this by spending $40,000 on a card in a calendar year. After meeting the expenditure threshold, the status remains valid until December 31st of the following year.

You will also pay zero points for every 4 nights you redeem IHG points for stays of 4 or more nights. This is an automatic perk that is reflected when booking. This is basically a great way to get even more value from your card as it’s basically a 25% discount on just a 4 night stay.

That said, if you rarely redeem your IHG points for stays of 4 or more nights, this perk may be of limited value.

You can spend $20,000 per calendar year and earn 10,000 points and $100 statement credits. TPG March 2025 evaluation These bonus points are $50, which translates to a total value of $150 in statement credits.

IHG Premier business card holders have many other perks to use when swiping cards.

• Tsaprecheck/Global Entry Application Fee Credit: Up to $120 refunds are available every 4 years upon billing Global Entries, TSA PRECHECK or Nexus Application fee for the card.
• Save 20% When purchasing IHG points when paying with a card.
• Up to $50 Register your IHG One Premier card with your MileagePlus account for each calendar year for each United Airlines TravelBank Cash.
• Car Rental Collision Damage Exemption: Refusing a rental company’s collision insurance and claiming the entire rental cost to your card will provide coverage for theft and collision. Compensation is secondary when renting within the US, but primary when renting for business purposes.
• Travel Cancellation and Travel Disruption Insurance: You can get a refund of up to $1,500 per person and up to $6,000 per trip. Non-refundable travel expenses will not be refunded if the trip is cancelled or shortened for a covered reason.
• Purchase Protection: Your new purchase is covered for 120 days for damage or theft. There is a limit of $10,000 per bill and a maximum of $50,000 per account.

These benefits can be had when things go wrong.

Generally, most people don’t get great returns Hotel credit cards – Especially in a wide range of categories such as food and groceries. That being said, IHG 1 Premium Business Card This could be a solid option, especially for participating IHG properties.

Using your card at IHG hotels and resorts will earn you 10 points per dollar spent on your stay. This adds to the 10 base points that all IHG One reward members occur with most participating brands. Additionally, the card has automatic Platinum Elite status, which means you’ll get an additional 60% bonus on top of your base points. This combination translates to a total of 26 points per dollar spent on most IHG stays, or 13% expenditure returns based on March 2025 of TPG. evaluation.

Beyond IHG purchases, IHG Premier Business cardholders earn points at the following rates:

• 5 points per dollar spent on travel, hotel (non-IHG property), meals and gas purchases
• 5 points per dollar spent on social media, search engine ads, and office supply stores
• 3 points per dollar spent on all other purchases

This leads to a 2.5% return in the bonus category based on TPG’s March 2025 evaluationit drops to 1.5% on daily purchases, but lowers than the lower rate of return Many other cards.

Related: How to earn IHG points with your stay, credit card, etc.

On the other hand, the maximum rate is not public, but IHG’s core brands can see 120,000 points per night. However, the properties of partner brands such as Six senses It’s often surpassed this.

Despite this award’s pricing model, IHG Maximize One Reward Redemption. In fact, maybe it can be done IHG Redeem 1 reward point It’s much more valuable if you spend time searching.

You are not limited to using points only for your stay. You can also use a combination of points and cash to book a room. This can provide decent value in certain situations.

However, it is worth noting just how these bookings are confirmed. IHG effectively sells extra points (cash) and uses the full number of points for stays. Usually you pay between 0.63-0.66 cents per IHG point. IHGs often sell points at this price (or cheaper). This is another way to close your account.

As mentioned above, if you redeem points for a stay of 4 or more nights, you will receive zero points for every 4 nights. There is no limit to how often you can use this perk, but it is only applicable to full award stays, not booked using cash and points.

Related: How to redeem points in the IHG One Rewards program

As IHG 1 Premium Business Card It is a hotel credit card aimed at small business owners and is worth considering how it stacks up with business credit cards from other hotel brands.

Wyndham Rewards Harner business card information is collected independently by Points Guy. The card details on this page are not reviewed or provided by the card issuer.

read more: Best hotel credit card with annual fees under $100

Yes – as long as you can make the most of your card perks. IHG 1 Premium Business Card The annual fee is $99 and offers an annual free night award that can be easily redeemed for more value. Additionally, cardholders earn points at a solid rate when purchasing in the bonus category, but the return rate for everyday purchases is not great.

Small business owners who are loyal to IHG, or simply looking to diversify their travel strategies, can find enough value to justify the annual fees of their cards each year. If you find yourself making full use of the perks or staying at a variety of hotel brands, we recommend the more general ones Business Credit Card Instead, it maximizes your chances of winning valuable rewards.

Apply here: IHG One rewards your premium business credit card

Click here for prices and rates for Hilton Business Amex here.