<\/p>\n
Link: Apply for the IHG One Rewards Premier Business Credit Card<\/a><\/strong><\/p>\n Hotel credit cards<\/a> are incredibly underrated. Even if you don\u2019t spend much money on them, they can offer huge perks, including elite status<\/a> and free night certificates<\/a>. When you combine these two factors, a lot of these cards offer outsized value.<\/p>\n In this post, I want to look at the IHG One Rewards Premier Business Credit Card<\/a>, which is an awesome card that\u2019s nearly identical to IHG\u2019s personal premium card, the IHG One Rewards Premier Credit Card<\/a>. I\u2019d consider that to be a good thing, since there can be value in holding onto both cards. This is an especially good time to apply, as we\u2019re currently seeing an elevated bonus on the card.<\/p>\n The IHG Premier Business Credit Card<\/a> is the only Chase and IHG co-branded business credit card. Even if you don\u2019t plan on putting much spending on the card, this card can be worth having for the anniversary free night certificate, fourth night free on award redemptions, elite status, and much more.<\/p>\n For those unfamiliar with IHG (InterContinental Hotels Group), the group owns InterContinental, Six Senses, Regent, Holiday Inn, Crowne Plaza, Hotel Indigo, and more. Let\u2019s take a closer look at what you need to know about this business card.<\/p>\n Through April 30, 2025, the IHG Premier Business Card is offering a limited time welcome bonus<\/a> where you can earn up to 200,000 IHG One Rewards points<\/strong>. The bonus comes in two parts:<\/p>\n Personally, I value IHG points<\/a> at 0.5 cents each, so to me, that bonus is worth $1,000. As a point of comparison, previously the card offered a bonus of up to 140,000 points.<\/p>\n The welcome bonus on the IHG Premier Business Card isn\u2019t available to those who currently have this exact card, or those who have received a new cardmember bonus on this card in the past 24 months. However, you are eligible for the card<\/a> if you have either of the personal IHG cards, including the IHG One Rewards Premier Credit Card<\/a> (review<\/a>) or IHG One Rewards Traveler Credit Card<\/a>\u00a0(review<\/a>).<\/p>\n The IHG Premier Business Card has a $99 annual fee<\/strong>. You can add additional cardmembers to your business account at no extra cost. As I\u2019ll explain below, the annual fee is well worth it even if you don\u2019t spend money on the card, since you get an anniversary free night certificate.<\/p>\n The IHG Premier Business Credit Card<\/a> has a pretty well-rounded rewards structure, and it could very well be worth spending money on the card. That\u2019s especially true when you consider the new spending threshold bonuses.<\/p>\n If you have the IHG Premier Business Card then you can earn a total of 26x IHG points per dollar spent at IHG properties. However, in reality, not all of those points are coming from the credit card as such. Here\u2019s how this breaks down:<\/p>\n The IHG Premier Business Card offers 5x points in a variety of spending categories<\/strong>, including:<\/p>\n There are no caps on any of those bonus categories, so you can earn 5x points on unlimited spending in any of those categories. Based on my valuation of IHG points, that\u2019s like a ~2.5% return on that spending. In and of itself that\u2019s not so amazing, but there are further incentives to spend money on the card.<\/p>\n For categories in which you can\u2019t earn 5-10x points, the IHG Premier Business Card offers 3x points per dollar spent<\/strong>. There are potentially still better cards for everyday spending<\/a>, though there are some significant incentives to spend money on the card, which I\u2019ll cover below.<\/p>\n <\/p>\n The IHG Premier Business Credit Card has no foreign transaction fees<\/strong>, so it\u2019s a good card for purchases abroad<\/a>. That\u2019s especially true when staying at IHG properties abroad, as well as for dining and commuting outside the United States.<\/p>\n As a further incentive to spend money on the card, the IHG Premier Business Card offers a $100 statement credit plus 10,000 bonus points<\/strong> when you spend $20,000 on the card in a calendar year, plus make one additional purchase.<\/p>\n As I mentioned above, I value IHG points at 0.5 cents each, so between the statement credit and points, that\u2019s like $150 of additional value, making it an incremental 0.75% return on $20,000 worth of spending. When you stack it with the card\u2019s other perks, that could add up.<\/p>\n The IHG Premier Business Card offers IHG Diamond status<\/strong> if you spend $40,000 or more on the card in a calendar year. This is IHG\u2019s top tier elite status<\/a>, which offers perks like complimentary breakfast, room upgrades, late check-out, and more.<\/p>\n With the Milestone Rewards program<\/a> (which you can unlock based on how many elite nights you earn with IHG per year), you can receive benefits like confirmed suite upgrades, club lounge access, food & beverage credits, and more.<\/p>\n In addition to the anniversary free night award that you get just for having the card (which I\u2019ll cover below), you can earn a second free night award annually when you spend $60,000 on the card in a calendar year. The free night award can be used at a property costing up to 40,000 points, though you can use additional points to top off the award and redeem at more expensive properties.<\/p>\n What makes the IHG Premier Business Credit Card<\/a> exceptional is the benefits and perks that it offers<\/a>, which in my opinion more than offset the annual fee on the card. Let\u2019s take a look at some of those perks.<\/p>\n Every year on your account anniversary you get a free night certificate<\/strong><\/a>, valid at any property costing up to 40,000 points per night. This doesn\u2019t require any spending, though as noted above, you can earn a second free night award by spending $60,000 on the card in a calendar year.\u00a0<\/p>\n Best of all, you can use points to top off your award and redeem at a more expensive property. In other words, you could book a hotel costing 60,000 points per night by using the certificate and redeeming an additional 20,000 points.<\/p>\n This free night certificate will be issued shortly after your anniversary and is valid for 12 months. I\u2019ve consistently gotten huge value with these certificates, and have been able to redeem them at properties costing $250+ per night. And that\u2019s not even accounting for the ability to top them off and redeem at more expensive properties.<\/p>\n Just for having the IHG Premier Business Card you get a fourth night free on award redemptions<\/strong>. When you book four consecutive nights on an award redemption then you only have to redeem points for the first three nights.<\/p>\n This is an awesome perk, since it can be used an unlimited number of times (you can even use it to book multiple rooms at the same hotel). If you usually redeem points for stays in increments of four nights, this is like getting 25% off all your redemptions.<\/p>\n You receive IHG One Rewards Platinum status<\/strong> for as long as you have the IHG Premier Business Card. Among other things, IHG Platinum members receive<\/a>:<\/p>\n The IHG Premier Business Card offers up to $50 in United TravelBank Cash<\/a><\/strong> per year:<\/p>\n If you fly United with any frequency, then this is like $50 worth of travel on United per year, which is awesome.<\/p>\n The\u00a0IHG Premier Business Card offers\u00a0a Global Entry<\/a>, TSA PreCheck<\/a>, or NEXUS credit<\/a> once every four years<\/strong>. Just charge the membership fee of up to $120 to your card, and it will automatically be reimbursed. It doesn\u2019t matter who the fee is being paid for, as long as you charge it to your eligible card.<\/p>\n If you stay at IHG properties with any frequency, then I think the IHG Premier Business Credit Card<\/a> is absolutely worth having.<\/p>\n The card\u2019s $99 annual fee is easy to justify based on the perks that it offers. The card offers an anniversary free night certificate, a fourth night free on award redemptions, IHG Platinum status, up to $50 in United credits per year, a Global Entry fee credit, and more.<\/p>\n Admittedly if you have the personal card as well, some of the benefits do overlap. However, I consider the anniversary free night award alone to be worth more than the annual fee, so that\u2019s a reason to pick up this card.<\/p>\n The IHG One Rewards Premier Credit Card<\/a> (review<\/a>) is the personal version of this card, so how does it compare? The benefits are virtually identical, though I\u2019d say the business version of the card has some potential advantages:<\/p>\n Both of these cards are excellent, and personally, I think it\u2019s worth picking both up, so that you can earn two free night awards per year without having to spend anything.<\/p>\n If you want to earn IHG points without having an IHG card, keep in mind that IHG is a transfer partner with Chase Ultimate Rewards<\/a>, so you could transfer points at a 1:1 ratio<\/a>. For example:<\/p>\n That being said, in general, I absolutely wouldn\u2019t recommend transferring<\/a> Chase points to IHG. As I said, I value IHG points at ~0.5 cents each, while you can instead transfer points at the same ratio to programs like World of Hyatt, where I value the points at ~1.5 cents each (three times as much).<\/p>\n Sometimes it can make sense to buy IHG points when the program has a sale<\/a>. IHG sometimes sells points with a 100% bonus, which brings down the cost per purchased point to 0.5 cents. When you stack that with the fourth night free offered by this card and the Platinum perks you\u2019ll receive, that could be well worth it.<\/p>\nIHG One Rewards Premier Business Card Basics For March 2025<\/h2>\n
Welcome Bonus Of 200,000 IHG Points<\/h3>\n
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IHG Business Credit Card Eligibility<\/h4>\n
$99 Annual Fee<\/h3>\n
Earning Points With The IHG Premier Business Card<\/h2>\n
10x Points At IHG Properties<\/h3>\n
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5x Points On Travel, Gas Stations, Dining, & More<\/h3>\n
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3x Points On Other Purchases<\/h3>\n
No Foreign Transaction Fees<\/h3>\n
$100 Statement Credit & 10,000 Bonus Points With Spending<\/h3>\n
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IHG Diamond Status With Spending<\/h3>\n
A Second IHG Anniversary Free Night With Spending<\/h3>\n
IHG Premier Business Credit Card Benefits<\/h2>\n
IHG Anniversary Free Night<\/h3>\n
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Fourth Night Free On Award Redemptions<\/h3>\n
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IHG One Rewards Platinum Status<\/h3>\n
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Up To $50 United TravelBank Cash Per Year<\/h3>\n
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Global Entry, TSA PreCheck, Or NEXUS Credit<\/h3>\n
Is The IHG Premier Business Card Worth It?<\/h2>\n
IHG Premier Personal Card Vs. IHG Premier Business Card<\/h3>\n
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Other Options For Earning IHG Points<\/h3>\n
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Bottom Line<\/h2>\n