IHG One Rewards Premier Enterprise Credit score Card overview
The IHG One Rewards Premier Enterprise Credit score Card (see charges and costs) provides first rate perks that, if utilized, can simply justify the cardboard’s $99 annual payment. Nevertheless, enterprise homeowners who aren’t loyal to IHG One Rewards could also be higher off with one other enterprise card. Card score*: ⭐⭐⭐⭐
*Card score relies 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 provides many perks for vacationers and small-business homeowners who incessantly 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 motive.
Advantages embrace automated 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 invaluable 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 not less than 670 to extend your possibilities of approval for this card.
Let us take a look at the small print of the IHG Premier Enterprise card to see if it is proper to your firm.
IHG Premier Enterprise professionals and cons
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IHG Premier Enterprise welcome supply
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 response to TPG’s September 2025 valuations, the welcome supply is price as much as $1,000.
That is the very best supply we have seen on this card and was beforehand obtainable from March to April 2025. In case you missed your probability to use again then, now is a superb time to benefit from the supply if this card has been in your radar.
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It is price noting that the appliance web page warns that you’re not eligible for this bonus if you happen to’ve acquired a welcome bonus on this card throughout the previous 24 months.
This card is good for Chase prospects underneath 5/24. Whereas most enterprise bank cards is not going to have an effect on your 5/24 standing, you do must be underneath 5/24 to use.
Associated: Find out 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 price it? The cardboard’s worth relies on whether or not you may use its advantages incessantly 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 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 occupied with 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 automated perk that’s mirrored when reserving. It is basically a 25% low cost on stays of precisely 4 nights, so it is an effective way to get much more worth out of the cardboard.
That mentioned, if you happen to not often redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.
In case 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 if you swipe your card:
- TSAPrecheck/International Entry utility payment credit score: While you cost a International Entry, TSA PreCheck or Nexus utility 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 together with your card.
- United TravelBank: As much as $50 in United Airways TravelBank money every calendar yr if you register your IHG One Premier card together with your MileagePlus account.
- Auto rental collision harm waiver: While you decline the rental firm’s collision insurance coverage and cost all the rental value to your card, you may get protection in opposition to theft and collision. Protection is secondary when renting throughout the U.S., however major 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 brief for a coated motive.
- Buy safety: Your new purchases are coated for 120 days in opposition to harm 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 improper.
Incomes factors on the IHG Premier Enterprise card
Usually, you will not get implausible incomes charges on most lodge bank cards — particularly on broad classes like eating and groceries. That mentioned, the IHG Premier Enterprise card might be a stable choice, particularly at collaborating IHG properties.
While you use your card at IHG inns 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’ve gotten automated Platinum Elite standing with the cardboard, that’ll offer you one other 60% bonus on prime 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, inns (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 fee of return decrease than many different playing cards.
Associated: Find out how to 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 a substitute, 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 fee, though for IHG’s core manufacturers, the very best we have seen is 120,000 factors per evening. Nevertheless, properties in associate manufacturers equivalent to Six Senses incessantly exceed this.
Regardless of this award pricing mannequin, there are nonetheless methods to maximise IHG One Rewards redemptions. Actually, you might be able to redeem IHG One Rewards factors for considerably extra worth if you happen to spend a while looking.
You are not restricted to solely utilizing factors to your keep. You can too guide rooms utilizing a mixture of factors and money, which may supply first rate worth in sure circumstances.
Nevertheless, 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 total variety of factors for the keep. You often 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 may be one other technique to prime off your account.
As famous above, if you redeem factors for a keep of 4 nights or longer, each fourth evening will value zero factors. There is not any 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: Find out 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 price taking a look at the way it stacks up in opposition to 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 underneath $100
Is the IHG Premier Enterprise card price it?
Sure — so long as you may take advantage of the cardboard’s perks. The IHG Premier Enterprise card has an annual payment of $99 and provides an annual free evening 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 fee 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 ample 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 basic enterprise bank card as a substitute to maximise your probability of incomes invaluable rewards.
Apply right here: IHG Premier Enterprise card
For charges and costs of the Hilton Enterprise Amex, click on right here.
