IHG One Rewards Premier Business Credit Card

If you’re a business owner who frequently stays at IHG hotels and wants to earn valuable travel rewards, the IHG One Rewards Premier Business Credit Card might be the perfect fit. This card offers excellent rewards on your business expenses, valuable hotel perks, and a range of other benefits. In this review, we’ll cover everything you need to know about the IHG One Rewards Premier Business Credit Card, including its features, benefits, pros, cons, and whether you should apply.

What is the IHG One Rewards Premier Business Credit Card?

The IHG One Rewards Premier Business Credit Card is a business credit card designed specifically for travelers who prefer to stay at IHG hotels. It helps you earn IHG One Reward points on your everyday business purchases, which you can use for free nights, upgrades, and other travel-related expenses. This card is ideal for business owners who frequently travel and want to maximize their rewards with IHG hotels.

Welcome Bonus

Earn 140,000 bonus points

APR

21.49%–28.49% variable APR

Annual Fee

$99

Pros and Cons of the IHG One Rewards Premier Business Credit Card

Pros

Generous Welcome Offer: Earn 140,000 bonus points.

High Earning Rates: Accumulate points quickly on business-related purchases in key categories.

Valuable IHG Hotel Benefits: Enjoy complimentary nights, room upgrades, and elite status.

Anniversary Free Night: Receive a free night certificate each year on your card member anniversary.

Travel and Purchase Protections: Benefit from travel insurance, purchase protection, and extended warranty coverage.

No Foreign Transaction Fees: Avoid extra charges on purchases made outside the U.S.

Cons

Annual Fee: The card comes with a yearly fee of $99, which may be a consideration for some businesses.

Limited to IHG Hotels: The hotel benefits are primarily valuable for those who frequently stay at IHG properties. If you prefer other hotel chains, you might get less value from this card.

Spending Requirement for Welcome Offer: Some small businesses may have a high initial spending requirement to earn the welcome bonus.

Benefits of the IHG One Rewards Premier Business Credit Card

  • Generous Welcome Offer

    One of the main attractions of the IHG One Rewards Premier Business Credit Card is its generous welcome offer. Earn 140,000 bonus points.

    After spending $4,000 in the first 3 months from account opening. That’s up to 4 nights at 5,100+ of all IHG Hotels & Resorts properties globally. This welcome bonus can give you a great head start on earning points for your next trip.

  • High Earning Rates on Business Categories

    Get up to 26x total points at IHG Hotel and Resorts and more. The card offers impressive earning rates on purchases in key business categories, such as:

    • Travel: Earn 5 points per dollar spent on travel, gas stations, and dining.
    • All Other Purchases: Earn 3 points per dollar spent on all other purchases.
    • Bonus Points: Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
    • 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®.
    • IHG Purchases: Earn up to 10 points per dollar spent on purchases made directly with IHG hotels. Plus, up to 10X points from IHG® on stays for being an IHG One Rewards member. Plus, up to 6X points from IHG® on stays with Platinum Elite Status, a benefit of this card.

    These earning rates can help you rack up points quickly, especially if your business has significant expenses in these categories.

  • IHG Hotel Benefits

    The IHG One Rewards Premier Business Credit Card offers several valuable hotel benefits for IHG travelers:

    • Free Nights: Use your points to book free nights at IHG hotels with no blackout dates.
    • Room Upgrades: Enjoy complimentary room upgrades when available.
    • Elite Status: Receive automatic Platinum Elite status with IHG One Rewards, which includes benefits like priority check-in, late checkout, and bonus points on stays.
  • Anniversary Free Night

    One of the standout features of the IHG One Rewards Premier Business Credit Card is the annual free night certificate. Each year, on your cardmember anniversary, you’ll receive a certificate that can be used for a free night at eligible IHG hotels. This benefit alone can offset the cost of the card’s annual fee.

  • Travel and Purchase Protections

    The IHG One Rewards Premier Business Credit Card provides a range of travel and purchase protections, including:

    • Travel Insurance: Coverage for trip cancellations, interruptions, and delays, as well as baggage delay insurance.
    • Auto Rental Collision Damage Waiver: Use your card to pay for your car rental, and you can decline the rental company’s collision insurance and be covered for theft and collision damage.
    • Purchase Protection: This policy covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
    • Extended Warranty: Extends the U.S. manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
  • No Foreign Transaction Fees

    The IHG One Rewards Premier Business Credit Card offers a significant advantage: no foreign transaction fees for businesses that conduct international transactions or travel frequently. This means you won’t be charged extra fees when purchasing abroad, helping you save on international expenses.

Is the IHG One Rewards Premier Business Credit Card Right for Your Business?

The IHG One Rewards Premier Business Credit Card is a strong contender for business owners who frequently stay at IHG hotels and want to earn valuable rewards. However, whether it’s the right card for your business depends on your needs and spending habits.

Consider the IHG One Rewards Premier Business Credit Card if:
  • You Frequently Stay at IHG Hotels: The card’s hotel benefits, such as free nights and room upgrades, are precious for IHG travelers.
  • You Spend a Lot in Key Business Categories: If your business has significant expenses in categories like travel, gas stations, and dining, you can earn points quickly.
  • You Value an Annual Free Night: The annual free night certificate can offset the cost of the card’s annual fee and provide significant value.
  • You Value Travel and Purchase Protections: The card’s travel insurance, purchase protection, and extended warranty benefits can provide peace of mind.
  • You Don’t Want Foreign Transaction Fees: Avoid extra charges on purchases made outside the U.S.
Look for Other Options if:
  • You Prefer Other Hotel Chains: If you don’t frequently stay at IHG properties, you might not get as much value from this card’s hotel benefits.
  • You Want a No-Fee Card: If you’re uncomfortable paying an annual fee, you might want to consider a card with no annual fee, although it may offer fewer benefits.
  • Your Spending Doesn’t Align with the Card’s Categories: If your spending doesn’t fall into the high-earning categories, you might not get as much value from the card.

Final Thoughts

The IHG One Rewards Premier Business Credit Card is an excellent choice for business owners who frequently stay at IHG hotels and want to maximize their rewards. With its generous welcome offer, high earning rates on business categories, valuable IHG hotel benefits, annual free nights, and no foreign transaction fees, this card can be a powerful tool for managing your business expenses and enjoying your travels.

Consider your business’s spending patterns, travel preferences, and expense management needs to determine if the IHG One Rewards Premier Business Credit Card fits you. With the right strategy, this card can help you earn points, save on travel expenses, and enjoy premium services that support your business’s growth and success in 2024 and beyond.

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IHG One Rewards Premier Business Credit Card

Editorial Disclosure

Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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