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IHG One Rewards Premier Business Credit Card – Full Review

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Jarrod West
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Jarrod West

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier 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.
4.5
  • 140,000 points

  • $99

  • 21.49% - 28.49% Variable

  • Good to Excellent Credit Recommended (670-850)

IHG One Rewards Premier Business Credit Card

The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.

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.
4.5

IHG Rewards and Chase have teamed up to offer the IHG One Rewards Premier Business Card, a compelling option for those who travel often for their business and stay at IHG hotels.

In this review, we will cover all of the benefits of the card, including earning rates, perks, fees, and more to help you determine whether the card is a good fit for your travel goals.

Card Snapshot

Welcome Bonus & Info

  • Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Automatic Platinum Elite status as long as you remain a Premier Business cardmember
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee 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®
  • Member FDIC

Pros

  • Up to 26x total points per $1 spent on IHG Hotels and Resorts
  • 5x points per $1 spent on travel, at gas stations, select advertising, and restaurants
  • 3x points per $1 spent on all other purchases
  • Automatic IHG Platinum Elite status, plus the ability to spend your way to Diamond Elite status
  • Fourth night free on award stays
  • Free anniversary night certificate, plus the ability to earn a second free night after spending $40,000 on the card in a calendar year
  • Up to $50 United Airlines TravelBank Cash each year
  • Global Entry, TSA PreCheck, or NEXUS statement credit
  • Trip cancellation/interruption insurance
  • Purchase protection
  • 20% discount on IHG point purchases

Cons

  • $99 annual fee
  • Does not earn transferable rewards

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 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 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 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 Rewards Points

Of course, using your IHG Premier Business card isn’t the only way for you to earn IHG Rewards points. In fact, there are a lot of great ways to earn lots of IHG 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 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.

NEW OFFER
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.

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.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points
$1,200
$199
21.49% - 28.49% Variable
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)

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
  • 9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
  • 2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two 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
  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
  • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 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 through 12/31/24, then your top two 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: 21.49% - 28.49% 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.

NEW OFFER
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.

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.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
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)

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
  • 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
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
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.

Frequently Asked Questions

Is the IHG Premier Business card worth it?

If you’re a business owner who regularly stays at IHG hotels and you’re looking to earn more points on these stays while receiving benefits like automatic elite status and your fourth night free on award stays, then the IHG Premier Business card would be worth it for you.

Does the IHG Premier Business card have an annual fee?

Yes, the annual fee of the IHG Premier Business card is $99.

Which IHG credit card is best?

The answer to this question will change depending on what you’re looking for from the card. For those looking for a business credit card from IHG, the only option is the IHG Premier Business card — and it’s a great option thanks to its earning potential and benefits.

On the personal card side, if you want a card that simply helps you earn more IHG Rewards points during your stays, without an annual fee, then the IHG One Rewards Traveler Credit Card is the one for you. Those who want a premium option should go for the IHG One Rewards Premier Credit Card since it offers automatic elite status, a free night certificate each year, and boosted rewards earning.

Do IHG Rewards points expire?

Yes, IHG Rewards points expire after 12 months of no account activity. Keeping them active is easy, though, as all you need to do is have 1 qualifying activity like earning new points or redeeming your current points.

If you hold the IHG Premier Business card, you’ll be earning points each time you use the card, so you’ll never need to worry about your points expiring.

Are you eligible for the IHG Premier Business card if you already have a personal IHG card?

Yes. If you already have either of the 2 personal IHG credit cards, you’re still eligible for the IHG Premier Business card.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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