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 price. Nevertheless, enterprise house owners 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 price of solely $99, it provides many perks for vacationers and small-business house owners 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 should show engaging merely for that motive.
Advantages embrace automated Platinum Elite standing so long as you are a cardholder, a singular fourth-night-free reward perk when redeeming factors for resort stays and a invaluable welcome bonus. One key perk — the free evening certificates acquired annually — can simply cowl the annual price on the IHG Premier Enterprise card.
We advocate a credit score rating of at the very least 670 to extend your possibilities 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 in 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 value as much as $1,000.
That is the best supply we have seen on this card and was beforehand out there from March to April 2025. When you missed your likelihood to use again then, now is a good time to reap the benefits of the supply if this card has been in your radar.
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It is value noting that the applying web page warns that you’re not eligible for this bonus should you’ve acquired a welcome bonus on this card inside the previous 24 months.
This card is right for Chase prospects beneath 5/24. Whereas most enterprise bank cards won’t have an effect on your 5/24 standing, you do must 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 price, however is it value it? The cardboard’s worth is determined by whether or not you may use its advantages incessantly sufficient to justify that annual price.
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 evening award legitimate for a single evening, value as much as 40,000 factors.
Cardholders additionally robotically 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 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 fascinated with 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 by way of Dec. 31 of the next 12 months.
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 a good way to get much more worth out of the cardboard.
That stated, should you hardly ever 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 12 months, 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 once you swipe your card:
- TSAPrecheck/International Entry software price credit score: While you cost a International Entry, TSA PreCheck or Nexus software price to your card, you might 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 once you register your IHG One Premier card along 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 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 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 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 mistaken.
Incomes factors on the IHG Premier Enterprise card
Typically, you will not get implausible incomes charges on most resort bank cards — particularly on broad classes like eating and groceries. That stated, the IHG Premier Enterprise card could possibly be a stable choice, particularly at taking part 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 taking part manufacturers. And since you will have automated Platinum Elite standing with the cardboard, that’ll offer you one other 60% bonus on high of the bottom factors. This mixture interprets to a complete of 26 factors per greenback spent on most IHG stays — or a 13% return on spending, based mostly 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 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 based mostly 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: 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 charge, though for IHG’s core manufacturers, the 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 should you spend a while looking out.
You are not restricted to solely utilizing factors in your keep. You may also ebook rooms utilizing a mixture of factors and money, which may supply first rate worth in sure circumstances.
Nevertheless, 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 often 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 evening 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: redeem IHG One Rewards factors for resort stays
Which playing cards compete with the IHG Premier Enterprise card?
Because the IHG Premier Enterprise card is a resort bank card geared toward small-business house owners, it is value taking a look at 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: The most effective resort bank cards with annual charges beneath $100
Is the IHG Premier Enterprise card value it?
Sure — so long as you may profit from the cardboard’s perks. The IHG Premier Enterprise card has an annual price 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 charge 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 price annually. If you end up not maximizing the perks or reserving stays at various resort manufacturers, we would advocate a extra common enterprise bank card as an alternative to maximise your likelihood of incomes invaluable rewards.
Apply right here: IHG Premier Enterprise card
For charges and costs of the Hilton Enterprise Amex, click on right here.
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