IHG One Rewards Premier Business Credit Card – Full Review

Great Card If

• You’re a business owner who regularly stays at IHG hotels
• You want a card that offers you perks on IHG stays like automatic elite status
• You know you can easily get more value from the card than the annual fee you’ll pay

Don’t Get If

• You don’t stay at IHG hotels
• You prefer a card with no annual fee
• You want a card that earns transferable rewards

IHG Premier Business Card — Is It Worth It?

For business owners who regularly stay at IHG hotels, there are few cards on the market that would be a better option for you than the IHG Premier Business card.

The card helps you earn tons of IHG One Rewards points thanks to its 10x earnings on IHG Hotels and Resorts, 5x on travel, at gas stations, select advertising, and restaurants, and 3x on all other purchases. And it offers tons of benefits that cardholders are sure to get lots of value from.

For instance, you’ll automatically receive IHG Platinum Elite status that in turn will help you earn 60% more points on stays, late checkout, and room upgrades (when available).

Further, holding the card gets you your fourth night free on award stays, up to $50 in United Airlines TravelBank Cash each year, an annual free night certificate, and more.

When you consider all of the benefits that you receive, even after taking into account the card’s $99 annual fee, it is easy to see how the IHG Premier Business card can be very worthwhile to those who frequent IHG hotels.

IHG Premier Business Card Top Benefits

Automatic Platinum Elite Status

With your IHG Premier Business card, you’ll receive IHG One Rewards Platinum Elite status as a benefit of holding the card. Without the card, you’d need to stay 40 qualifying nights or earn 40,000 qualifying points each year to qualify for this status level, making this automatic perk a very valuable one!

Platinum Elite status includes the following perks:

• 60% bonus points earned on IHG stays
• Priority check-in and extended checkout
• Complimentary room upgrades
• Welcome amenity

For those who are trying to earn as many points as possible to eventually book free nights, the 60% bonus in point-earning really comes in handy. This is because it ups the number of points earned during IHG stays from 10x points per $1 to 16x points per $1.

But also remember that when you use your IHG Premier Business card to pay for your stay, you’ll earn another 10x points per $1 spent, bringing your total to 26x points per $1 on all of your IHG Hotels and Resorts — or a 13% return based on our points and miles valuations.

Plus, the card gives you a path towards top-tier Diamond Elite status, requiring you to spend $40,000 on the card in a calendar year instead of staying 70 qualifying nights.

Fourth Night Free on Award Stays

One of the best benefits of the IHG Premier Business card is that it gives you the ability to get your fourth night free on all award stays. This perk alone effectively gives you a 25% discount on all of your 4-night IHG award stays and can lead to massive savings in points if you book multiple award stays each year.

Anniversary Free Night Certificate

Each year on your account anniversary, you’ll be given a free night certificate that can be used for a free night at any IHG hotel that costs up to 40,000 points per night.

For most cardholders, this benefit alone makes up for the card’s annual fee, as almost any hotel that you’d be eligible to redeem this certificate at will cost much more for a night than the $99 annual fee you pay for the card.

That said, IHG recently improved the usability of these free night certificates, as now you can also add points on top of the certificate to stay at a more expensive hotel if you choose. For instance, if a property costs 55,000 points per night, you can use your free night certificate plus 15,000 points to book a free night at the hotel.

United TravelBank Cash

Each calendar year, you’ll receive 1 deposit of $25 in United TravelBank cash on January 1, and another $25 United TravelBank cash deposit on July 1, for a total of $50 each year.

If you’re not already familiar, United TravelBank cash can be spent just like normal cash on any United purchases, including flights, baggage, and other items. This means that you’re being given $50 towards United flights each year, just for being a cardholder!

Discount on Purchased Points

Need to top off your point balance in order to book an award stay? Using your IHG Premier Business card to purchase IHG One Rewards points will give you a 20% discount when doing so.

Card Protections

With your IHG Premier Business card, you also receive the following card protections:

• Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by a covered situation, you can be reimbursed up to $5,000 per person and $10,000 per trip for non-refundable travel expenses.
• Purchase Protection: Items purchased with your card are covered for 120 days from the date of purchase against damage or theft, for up to $500 per claim and $50,000 per account.

How To Earn and Redeem IHG One Rewards Points

Of course, using your IHG Premier Business card isn’t the only way for you to earn IHG One Rewards points. In fact, there are a lot of great ways to earn lots of IHG One Rewards points that you may never have thought of.

When it comes to redeeming your points, this is where you will want to employ some strategy to make sure you’re always getting the best value for your points. To help you out in that respect, we’ve put together a guide to the best ways to redeem your IHG One Rewards points to help you book some amazing redemptions.

Alternative Cards to the IHG Premier Business Card

World of Hyatt Business Credit Card

Perhaps IHG isn’t your hotel chain of choice, and you prefer to stay at Hyatt hotels when available instead. If this is the case, you’ll want to opt for the World of Hyatt Business card.

World of Hyatt Business Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Apply Now(at Chase's secure site)

World of Hyatt Business Credit Card

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Welcome Offer

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

60,000 bonus points

UP's Bonus Valuation*:

$900

Annual Fee

$199

APR

20.74% - 27.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

Pros & Cons

Pros

• Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
• 2x points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
• 2x points per $1 spent on fitness club and gym memberships.

Cons

• $199 annual fee
• Bonus categories and benefits are very similar to the personal card

Read Full Review

Card Highlights

• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
• Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

Plus, you’ll receive automatic Hyatt Discoverist status, up to $100 in Hyatt statement credits, access to the Hyatt Leverage program, and 5 elite qualifying night credits for every $10,000 spent on the card.

Ink Business Preferred^® Credit Card

If you’re looking for a small business credit card that earns transferable rewards, then the Ink Business Preferred card is worthy of consideration.

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.

90,000 points

UP's Bonus Valuation*:

$1,800

Annual Fee

$95

APR

20.49% - 26.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 26.49% Variable
• Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

The card earns 3x points per $1 spent on the first $150,000 in combined purchases in travel, shipping, advertising purchases made with social media sites and search engines, plus internet, cable, and phone service purchases.

Since the card earns Chase Ultimate Rewards points, you can then transfer these points at a 1:1 ratio to 10+ different Chase transfer partners.

The card also offers great perks like travel and purchase protection, cell phone insurance, and employee cards at no additional cost.