Is IHG One Rewards Premier Business Credit Card worth it?

The IHG Rewards Premier Business Credit Card is a powerful tool for business travelers. With this card, you can earn IHG Rewards points on business expenses and take advantage of exclusive perks such as free anniversary night certificates, automatic elite status, and a variety of travel benefits, making it a top choice for those seeking a rewarding business travel experience.

What credit score do I need to get IHG One Rewards Premier Business Credit Card?

The recommended credit score for IHG One Rewards Premier Business Credit Card is Good to Excellent.

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IHG One Rewards Premier Business Credit Card

Rates and Fees

👉 Learn More 👈

Annual Fee: $99

Bonus Miles

Bonus Points

Up to 200,000

Recommended Credit

Good to Excellent

Current Offer

Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Up to 200,000

Bonus Points

LIMITED TIME OFFER

Summary

The IHG One Rewards Premier Business Credit Card is a good option for those wanting a business card with great hotel benefits. It has a low $99 annual fee and offers an anniversary free reward night, a fourth night free on award redemptions, and automatic Platinum Elite status, making it a great option for those who are loyal to IHG.

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Earning Rewards

Up to 26X per $1 spent at IHG Hotels and Resorts (10X points with this card, up to 10X points from IHG One for being an IHG One Rewards Member, and up to 6X points from IHG® with Platinum Elite Status, a benefit of this card)
5X per $1 spent on travel and hotels, gas stations, select advertising, and at restaurants
3X per $1 on everyday purchases

Additional Benefits

Automatic Platinum Elite Status
Redeem 3 nights, get 4th night free
Anniversary Free Night (with a current point redemption cap of 40,000 points)
Global Entry, TSA PreCheck®, or NEXUS Statement Credit (up to $120) every four years as reimbursement for the application fee if charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®

Foreign Transaction Fee

Rates and Fees

None

Also consider

Marriott Bonvoy Business® American Express® Card

Annual Fee: $125

Rates & Fees | Terms Apply

125,000

Bonus Points

LIMITED TIME OFFER

Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.

125,000

Bonus Points

Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.

If you’re a Marriott loyalist and have a small business or side hustle (e.g. freelancing, Etsy, etc.), this is an excellent card. It has a super reasonable annual fee for the benefits you get (e.g. Gold Elite status, late check out and room upgrades when available, 15 elite night credits, and a free night award on your card's anniversary).

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

‍🏆 Best Hilton Business Card

The Hilton Honors American Express Business Card

‍🏆 Best Hilton Business Card

Annual Fee: $195

Rates & Fees | Terms Apply

130,000

Bonus Points

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

130,000

Bonus Points

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

The Hilton Honors American Express Business Card is a travel rewards credit card tailored for business travelers, offering Hilton Honors Gold status, generous Hilton Honors points earning potential, and an annual free weekend night reward upon reaching a spending threshold. With a reasonable annual fee, this card is an excellent choice for businesses that frequently utilize Hilton properties and want to enhance their travel experience with valuable rewards and perks.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

IHG One Rewards Premier Business Credit Card

CURRENT OFFER

LIMITED TIME OFFER

Up to 200,000

Bonus Points

👉 Learn More 👈Rates & Fees

REWARDS RATE

1-10x points

ANNUAL FEE

$99

Our Score

Annual Fee (20%)

Welcome Offer (20%)

Rewards Rates (20%)

Redemption Value (15%)

Card Benefits & Perks (15%)

Travel Protections (10%)

Our Take

Comparable Cards

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FULL COMPARISON

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

Low annual fee
Automatic Platinum Elite Status
Free night after each account anniversary, and an additional free night when you book four consecutive nights at an IHG hotel
20% off when buying IHG points, and up to $50 in United Airlines TravelBank Cash each calendar year

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Cons

No introductory period
High rates
IHG points aren't worth as much as other credit card points

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Rewards Summary

Up to 26X per $1 spent at IHG Hotels and Resorts (10X points with this card, up to 10X points from IHG One for being an IHG One Rewards Member, and up to 6X points from IHG® with Platinum Elite Status, a benefit of this card)
5X per $1 spent on travel and hotels, gas stations, select advertising, and at restaurants
3X per $1 on everyday purchases

Additional Benefits

Automatic Platinum Elite Status
Redeem 3 nights, get 4th night free
Anniversary Free Night (with a current point redemption cap of 40,000 points)
Global Entry, TSA PreCheck®, or NEXUS Statement Credit (up to $120) every four years as reimbursement for the application fee if charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®

How to make the most of your

IHG One Rewards Premier Business Credit Card

Transfer Partners

PROGRAM NAME

TRANSFER RATIO

Offer History

OFFER DATES

OFFER DETAILS

Current Offer since

Sep 2024

through

Oct 2024

Earn 140,000 bonus points after spending $4,000 in the first 3 months and an additional 60,000 bonus points after spending a total of $9,000 in the first 6 months.

Current Offer since

Apr 2024

through

May 2024

Earn 140,000 bonus points after spending $4,000 in the first 3 months and an additional 35,000 bonus points after spending a total of $7,000 in the first 6 months.

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Who Should Get The

IHG One Rewards Premier Business Credit Card

?

Who Should Not Get The

IHG One Rewards Premier Business Credit Card

?

Recommended Credit

Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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