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IHG(R) Rewards Premier Business Credit Card Review

The IHG One Rewards Premier Business Credit Card is a business travel card that earns solid rewards when you stay with IHG hotels and resorts and offers free nights and elite status. Though there’s a $99 annual fee, you can get more value than that with a free night on your card’s anniversary, status perks and rewards redemption.

You’ll earn earn up to 26 total points per $1 spent when you stay at an IHG hotel. 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. Cardholders can also earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.

Each year on your anniversary, you’ll get a free night. Cardholders also get a fourth reward night free whenever you redeem points for a consecutive four-night IHG stay. As a cardholder, you’ll have Platinum Elite status with IHG, which offers benefits including early check-in, a welcome amenity when you arrive, complimentary upgrades and late check-out.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$99
  • Regular APR21.49% – 28.49% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

  • Stay with IHG on business travel at least occasionally.
  • Can redeem the annual free night award.
  • Will pay your balance in full each month to avoid interest charges.

With IHG perks and rewards, this card is most valuable when you use it to stay with IHG. You can earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening, and you’ll earn 26 total points when you use your card for stays at IHG properties.

Take advantage of automatic Platinum Elite status benefits any time you stay with IHG, which include early check-in, late check-out and upgrades, all subject to availability. You should also use the expedited travel credit, which offers a statement credit of up to $100 every four years to reimburse application fees for Global Entry, TSA PreCheck or NEXUS.

Editor’s Take

You’ll get good value from the IHG One Rewards Premier Business Credit Card if you stay at least one night per year at IHG properties. Though this card has a $99 annual fee, you’ll also get a free night on your account anniversary, so you could consider the fee as prepaying $99 for a hotel night each year – and then everything else is just icing on the cake. You can extract a lot of value from the Platinum Elite status perks, which can give you complimentary upgrades, early check-in and late check-out each time you stay at an IHG property where those benefits are available.

Jessica MerrittContributor

Cardholders of the IHG One Rewards Premier Business Credit Card earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.

Maximize your rewards early on by planning to earn the IHG One Rewards Premier Business Credit Card’s 175,000-point sign-up bonus. Plan to earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening. Beyond that, you can earn up to 26 total points per $1 spent when you stay at an IHG hotel. 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.

You can redeem IHG points for free nights starting at 5,000 points per night, so the 175,000-point sign-up bonus could translate to 28 free nights with the right redemptions. Redemption options beyond free nights include events and experiences, gift cards, products, donations to nonprofits, digital subscriptions or airline miles with partner airlines.

IHG points expire if you don’t have any rewards activity within 12 consecutive months, so you’ll need to earn or redeem points with IHG at least once each year.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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