IHG One Rewards Premier Enterprise Credit score Card overview
*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 Credit score Card has an annual payment of solely $99, it gives a shocking variety of perks for vacationers and small-business house owners who steadily 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 enticing merely for that purpose.
Advantages embody automated 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 beneficiant 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 advocate a credit score rating of at the least 670 to be authorised for this card.
Let’s take a look at the main points of the IHG Premier Enterprise card to see if it is proper to your firm.
Associated: Who qualifies for a enterprise bank card?
IHG Premier Enterprise execs and cons
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IHG Premier Enterprise welcome supply
New candidates for the IHG One Premier Enterprise card can earn 140,000 factors after spending $4,000 within the first three months from account opening.
Your bonus will come within the type of IHG factors, which TPG pegs at 0.5 cents every per our February 2025 valuations. Thus, this bonus is price a wholesome $700.
It is price noting there’s a warning on the applying web page that you’re not eligible for this bonus in the event you’ve acquired a welcome bonus on this card inside the previous 24 months. The cardboard launched in early 2022, so most individuals must be eligible for the welcome bonus.
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This card is right for individuals who are underneath 5/24 with Chase. Whereas most enterprise bank cards won’t add to your 5/24 standing, you do have to be underneath 5/24 to use.
Associated: Learn how to monitor your progress towards a bank card welcome bonus
IHG Premier Enterprise card advantages
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 may obtain a free night time award legitimate for a single night time, price as much as 40,000 factors.
Cardholders additionally mechanically get pleasure from 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 eager about 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 by way of Dec. 31 of the next yr.
You will additionally pay zero factors for each fourth night time when redeeming IHG factors for stays of 4 nights or longer. That is an automated perk that’s mirrored when reserving. That is primarily 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, in the event you not often redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.
Every calendar yr you spend $20,000, you may earn 10,000 bonus factors and a $100 assertion credit score. TPG’s February 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 the most of once you swipe your card:
- TSAPrecheck/World Entry utility payment credit score: You might be reimbursed as much as $120 each 4 years once you cost a World Entry, TSA PreCheck or Nexus utility payment to your card.
- Save 20% on the acquisition of IHG factors once you pay along with your card.
- As much as $50 in United TravelBank money every calendar yr once you register your IHG One Premier card along with your MileagePlus account.
- Auto rental collision injury waiver: If you decline the rental firm’s collision insurance coverage and cost the whole rental value to your card, you may get protection towards theft and collision. Protection is secondary when renting inside the U.S., however major when renting for enterprise functions.
- Journey cancellation and journey interruption insurance coverage: You might be reimbursed as much as $1,500 per particular person 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. There’s a restrict of $10,000 per declare and as much as $50,000 per account.
These advantages might be good to have when issues go improper.
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 mentioned, the IHG One Premier Enterprise card could possibly be a strong choice, particularly at taking part IHG properties.
If you use your card at IHG motels 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 taking part manufacturers. And since you have got automated Platinum Elite standing with the cardboard, that’ll provide you with one other 60% bonus on high of the bottom factors. Mixed, that 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 February 2025 valuations.
Past IHG purchases, cardholders of the IHG Premier Enterprise will earn factors on the following charges:
- 5 factors per greenback spent on journey, eating and fuel purchases
- 5 factors per greenback spent in choose enterprise classes, similar to social media and search engine promoting and at workplace provide shops
- 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 February 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: Learn how to earn IHG factors by way of stays, bank cards and extra
Redeeming factors on the IHG Premier Enterprise card
Like many rivals, 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 not any printed most fee, though for IHG’s core manufacturers, the very best we have seen is 120,000 factors per night time. Nonetheless, properties in associate manufacturers similar to Six Senses steadily 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 in the event you spend a while looking out.
You are not restricted to solely utilizing factors to your keep. You too can guide rooms utilizing a mixture of factors and money, which might supply first rate 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 usually sells factors at this worth (or cheaper), which might be one other approach to high off your account.
As famous above, once you redeem factors for a keep of 4 nights or longer, each fourth night time will value zero factors. There isn’t any restrict to how usually you should use this profit — although it solely applies to full award stays, not these booked utilizing money and factors.
Associated: Learn how to redeem factors with the IHG One Rewards program
Which playing cards compete with the IHG Premier Enterprise card?
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: The most effective lodge bank cards with annual charges underneath $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 night time 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 fee on on a regular basis purchases is not implausible.
Backside line
Small-business house owners loyal to IHG or these merely seeking to diversify their journey technique can discover ample worth to justify the cardboard’s annual payment annually. If you end up underutilizing the perks or reserving stays at various lodge manufacturers, we might advocate a extra basic enterprise bank card as an alternative to maximise your likelihood of incomes priceless rewards.
Apply right here: IHG One Rewards Premier Enterprise Credit score Card
For charges and costs of the Hilton Enterprise Amex, click on right here.
