IHG One Rewards Premier Enterprise Credit score Card overview
The IHG One Rewards Premier Enterprise Credit score Card (see charges and costs) presents first rate perks that, if utilized, can simply justify the cardboard’s $99 annual payment. Nonetheless, enterprise homeowners who aren’t loyal to IHG One Rewards could also be higher off with one other enterprise card. Card ranking*: ⭐⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Contemplating that the IHG One Rewards Premier Enterprise card has an annual payment of solely $99, it presents many perks for vacationers and small-business homeowners who continuously stick with IHG. In comparison with different hotel-branded enterprise bank cards, the IHG Premier Enterprise card has one of many lowest annual charges and should show engaging merely for that motive.
Advantages embrace computerized Platinum Elite standing so long as you are a cardholder, a singular fourth-night-free reward perk when redeeming factors for lodge stays and a helpful welcome bonus. One key perk — the free night time certificates acquired annually — can simply cowl the annual payment on the IHG Premier Enterprise card.
We suggest a credit score rating of at the very least 670 to extend your probabilities of approval for this card.
Let us take a look at the main points of the IHG Premier Enterprise card to see if it is proper to your firm.
IHG Premier Enterprise execs and cons
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IHG Premier Enterprise welcome provide
New candidates for the IHG Premier Enterprise card can earn as much as 200,000 bonus factors: 140,000 bonus factors after spending $4,000 on purchases within the first three months from account opening and a further 60,000 bonus factors after spending $9,000 within the first six months from account opening.
Based on TPG’s September 2025 valuations, the welcome provide is value as much as $1,000.
That is the best provide we have seen on this card and was beforehand accessible from March to April 2025. For those who missed your likelihood to use again then, now is a good time to benefit from the provide if this card has been in your radar.
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It is value noting that the appliance web page warns that you’re not eligible for this bonus when you’ve acquired a welcome bonus on this card throughout the previous 24 months.
This card is good for Chase prospects beneath 5/24. Whereas most enterprise bank cards won’t have an effect on your 5/24 standing, you do should be beneath 5/24 to use.
Associated: Tips on how to observe your progress towards a bank card welcome bonus
IHG Premier Enterprise card advantages
The IHG Premier Enterprise card has a modest $99 annual payment, however is it value it? The cardboard’s worth is determined by whether or not you will use its advantages continuously sufficient to justify that annual payment.
First, in your cardmember anniversary annually (beginning on the one-year mark and persevering with annually after that, for so long as you retain the account open), you will obtain a free night time award legitimate for a single night time, value as much as 40,000 factors.
Cardholders additionally mechanically take pleasure in IHG One Rewards Platinum Elite standing, so long as their account stays open. Platinum members obtain 60% bonus earnings on paid stays booked straight with IHG One Rewards, space-available room upgrades, a welcome amenity (within the type of factors or a drink/snack) and a handful of different perks.
These concerned about incomes top-tier Diamond Elite standing can attain this by spending $40,000 on the cardboard in a calendar 12 months. After assembly the spending threshold, the standing is legitimate via Dec. 31 of the next 12 months.
When redeeming IHG factors for stays of 4 nights or longer, you will additionally pay zero factors for each fourth night time. That is an computerized perk that’s mirrored when reserving. It is primarily a 25% low cost on stays of precisely 4 nights, so it is a good way to get much more worth out of the cardboard.
That stated, when you not often redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.
For those who spend $20,000 every calendar 12 months, you will earn 10,000 bonus factors and a $100 assertion credit score. TPG’s September 2025 valuations peg these bonus factors at $50, which interprets to a complete worth of $150 with the assertion credit score.
IHG Premier Enterprise cardholders have a handful of different perks to make use of while you swipe your card:
- TSAPrecheck/World Entry software payment credit score: Once you cost a World Entry, TSA PreCheck or Nexus software payment to your card, you may be reimbursed as much as $120 each 4 years.
- Low cost on IHG level purchases: Save 20% on the acquisition of IHG factors when paying along with your card.
- United TravelBank: As much as $50 in United Airways TravelBank money every calendar 12 months while you register your IHG One Premier card along with your MileagePlus account.
- Auto rental collision injury waiver: Once you decline the rental firm’s collision insurance coverage and cost the complete rental price to your card, you will get protection towards theft and collision. Protection is secondary when renting throughout the U.S., however main when renting for enterprise functions.
- Journey cancellation and journey interruption insurance coverage: You may be reimbursed as much as $1,500 per coated traveler and as much as $6,000 per journey for pay as you go, nonrefundable journey bills in case your journey is canceled or lower quick for a coated motive.
- Buy safety: Your new purchases are coated for 120 days towards injury or theft. The restrict is $10,000 per declare and as much as $50,000 per account.
These advantages are good to have if issues go mistaken.
Incomes factors on the IHG Premier Enterprise card
Usually, you will not get unbelievable incomes charges on most lodge bank cards — particularly on broad classes like eating and groceries. That stated, the IHG Premier Enterprise card might be a stable choice, particularly at taking part IHG properties.
Once you use your card at IHG lodges and resorts, you will earn 10 factors per greenback spent in your keep. That is along with the ten base factors that every one IHG One Rewards members accrue at most taking part manufacturers. And since you have got computerized Platinum Elite standing with the cardboard, that’ll provide you with one other 60% bonus on high of the bottom factors. This mix interprets to a complete of 26 factors per greenback spent on most IHG stays — or a 13% return on spending, primarily based on TPG’s September 2025 valuations.
Past IHG purchases, cardholders of the IHG Premier Enterprise will earn factors on the following charges:
- 5 factors per greenback spent on eating, lodges (non-IHG properties) and fuel purchases
- 5 factors per greenback spent at workplace provide shops, social media and search engine promoting
- 3 factors per greenback spent on all different purchases
That interprets to a 2.5% return on the bonus classes primarily based on TPG’s September 2025 valuations, although it drops to 1.5% on on a regular basis purchases — a charge of return decrease than many different playing cards.
Associated: Tips on how to earn IHG factors by way of stays, bank cards and extra
Redeeming factors on the IHG Premier Enterprise card
Like many opponents, IHG One Rewards does not publish an award chart; as an alternative, it makes use of dynamic award pricing. This system’s web site signifies that free nights begin at 5,000 factors.
On the opposite finish, there is no revealed most charge, though for IHG’s core manufacturers, the best we have seen is 120,000 factors per night time. Nonetheless, properties in companion manufacturers similar to Six Senses continuously exceed this.
Regardless of this award pricing mannequin, there are nonetheless methods to maximise IHG One Rewards redemptions. In actual fact, you might be able to redeem IHG One Rewards factors for considerably extra worth when you spend a while looking out.
You are not restricted to solely utilizing factors to your keep. You can too e-book rooms utilizing a mix of factors and money, which may provide first rate worth in sure circumstances.
Nonetheless, it is value noting simply how these reservations are confirmed. IHG successfully sells you the additional factors (for money) after which makes use of the complete variety of factors for the keep. You normally pay 0.63 to 0.66 cents for every IHG level used to make up the distinction. IHG usually sells factors at this worth (or cheaper), which may be one other solution to high off your account.
As famous above, while you redeem factors for a keep of 4 nights or longer, each fourth night time will price zero factors. There is no restrict to how usually you should utilize this profit — although it solely applies to full award stays, not these booked utilizing money and factors.
Associated: Tips on how to redeem IHG One Rewards factors for lodge stays
Which playing cards compete with the IHG Premier Enterprise card?
Because the IHG Premier Enterprise card is a lodge bank card geared toward small-business homeowners, it is value the way it stacks up towards different hotel-branded enterprise bank cards.
The data for the Wyndham Rewards Earner Enterprise card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Learn extra: The very best lodge bank cards with annual charges beneath $100
Is the IHG Premier Enterprise card value it?
Sure — so long as you’ll be able to profit from the cardboard’s perks. The IHG Premier Enterprise card has an annual payment of $99 and presents an annual free night time award that may simply be redeemed for extra worth than that. Cardholders additionally earn factors at stable charges when making purchases in bonus classes, although the incomes charge on on a regular basis purchases is not unbelievable.
Backside line
Small-business homeowners loyal to IHG or these merely trying to diversify their journey technique can discover enough worth to justify the cardboard’s annual payment annually. If you end up not maximizing the perks or reserving stays at various lodge manufacturers, we would suggest a extra basic enterprise bank card as an alternative to maximise your likelihood of incomes helpful rewards.
Apply right here: IHG Premier Enterprise card
For charges and costs of the Hilton Enterprise Amex, click on right here.
