IHG One Rewards Premier Enterprise Credit score Card overview
The IHG One Rewards Premier Enterprise Credit score Card (see charges and charges) gives respectable 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 score*: ⭐⭐⭐⭐
*Card score 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 gives 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 will show engaging merely for that purpose.
Advantages embrace computerized Platinum Elite standing so long as you are a cardholder, a novel fourth-night-free reward perk when redeeming factors for lodge stays and a beneficial welcome bonus. One key perk — the free evening certificates acquired every year — can simply cowl the annual payment on the IHG Premier Enterprise card.
We advocate a credit score rating of no less than 670 to extend your possibilities of approval for this card.
Let’s take a look at the main points of the IHG Premier Enterprise card to see if it is proper in 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 an extra 60,000 bonus factors after spending $9,000 within the first six months from account opening.
In line with TPG’s September 2025 valuations, the welcome provide is price as much as $1,000.
That is the highest provide we have seen on this card and was beforehand obtainable from March to April 2025. When you missed your probability to use again then, now is a good time to make the most of the provide if this card has been in your radar.
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It is price noting that the applying web page warns that you’re not eligible for this bonus for those who’ve acquired a welcome bonus on this card inside the previous 24 months.
This card is good for Chase clients 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: 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 price it? The cardboard’s worth will depend on whether or not you may use its advantages continuously sufficient to justify that annual payment.
First, in your cardmember anniversary every year (beginning on the one-year mark and persevering with every year after that, for so long as you retain the account open), you may obtain a free evening award legitimate for a single evening, price as much as 40,000 factors.
Cardholders additionally robotically 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 immediately 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 considering incomes top-tier Diamond Elite standing can attain this by spending $40,000 on the cardboard in a calendar yr. After assembly the spending threshold, the standing is legitimate via Dec. 31 of the next yr.
When redeeming IHG factors for stays of 4 nights or longer, you may additionally pay zero factors for each fourth evening. That is an computerized perk that’s mirrored when reserving. It is basically 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, for those who not often redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.
When you spend $20,000 every calendar yr, you may 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 whenever you swipe your card:
- TSAPrecheck/World Entry software payment credit score: While you cost a World Entry, TSA PreCheck or Nexus software payment to your card, you will 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 yr whenever you register your IHG One Premier card along with your MileagePlus account.
- Auto rental collision injury waiver: While you decline the rental firm’s collision insurance coverage and cost your complete rental price to your card, you may get protection towards theft and collision. Protection is secondary when renting inside the U.S., however main when renting for enterprise functions.
- Journey cancellation and journey interruption insurance coverage: You will 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 reduce brief for a coated purpose.
- 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 flawed.
Incomes factors on the IHG Premier Enterprise card
Typically, you will not get implausible 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 strong possibility, particularly at collaborating IHG properties.
While you use your card at IHG lodges and resorts, you may earn 10 factors per greenback spent in your keep. That is along with the ten base factors that each one IHG One Rewards members accrue at most collaborating manufacturers. And since you may have computerized Platinum Elite standing with the cardboard, that’ll offer you 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 gasoline 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 price of return decrease than many different playing cards.
Associated: earn IHG factors through stays, bank cards and extra
Redeeming factors on the IHG Premier Enterprise card
Like many opponents, IHG One Rewards would 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 not any printed most price, though for IHG’s core manufacturers, the best we have seen is 120,000 factors per evening. Nonetheless, properties in associate manufacturers similar to Six Senses continuously exceed this.
Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. In actual fact, you could possibly redeem IHG One Rewards factors for considerably extra worth for those who spend a while looking out.
You are not restricted to solely utilizing factors in your keep. You too can ebook rooms utilizing a mix of factors and money, which may provide respectable worth in sure circumstances.
Nonetheless, it is price 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 typically sells factors at this value (or cheaper), which will be one other solution to high off your account.
As famous above, whenever you redeem factors for a keep of 4 nights or longer, each fourth evening will price zero factors. There is no restrict to how typically you should utilize this profit — although it solely applies to full award stays, not these booked utilizing money and factors.
Associated: 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 aimed toward small-business homeowners, it is price the way it stacks up towards different hotel-branded enterprise bank cards.
The knowledge 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: One of the best lodge bank cards with annual charges beneath $100
Is the IHG Premier Enterprise card price it?
Sure — so long as you possibly can profit from the cardboard’s perks. The IHG Premier Enterprise card has an annual payment of $99 and gives an annual free evening award that may simply be redeemed for extra worth than that. Cardholders additionally earn factors at strong charges when making purchases in bonus classes, although the incomes price on on a regular basis purchases is not implausible.
Backside line
Small-business homeowners loyal to IHG or these merely trying to diversify their journey technique can discover adequate worth to justify the cardboard’s annual payment every year. If you end up not maximizing the perks or reserving stays at various lodge manufacturers, we might advocate a extra common enterprise bank card as an alternative to maximise your probability of incomes beneficial rewards.
Apply right here: IHG Premier Enterprise card
For charges and charges of the Hilton Enterprise Amex, click on right here.