{"id":9670,"date":"2024-10-21T15:34:35","date_gmt":"2024-10-21T15:34:35","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/ihg-premier-business-credit-card-review-full-details\/"},"modified":"2024-10-21T15:34:35","modified_gmt":"2024-10-21T15:34:35","slug":"ihg-premier-business-credit-card-review-full-details","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/ihg-premier-business-credit-card-review-full-details\/","title":{"rendered":"IHG Premier Business Credit Card review: Full details"},"content":{"rendered":"<p><\/p>\n<div><a id=\"ihg-one-rewards-premier-business-credit-card-overview\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG One\u202fRewards Premier Business Credit Card overview<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/apply-now\/ihg-rewards-premier-business-credit-card\/?pid=8249&amp;tid=post\">IHG One Rewards Premier Business Credit Card<\/a> offers sufficient perks that, if utilized, can easily justify the card&#8217;s annual fee of $99. However, business owners who aren&#8217;t loyal to <a href=\"https:\/\/thepointsguy.com\/points-program\/ihg\/\" rel=\"noopener\" target=\"_blank\">IHG One Rewards<\/a> may be better off with another business card. <strong>Card Rating*:<\/strong> \u2b50\u2b50\u2b50\u2b50<\/p>\n<h6><em>*<a href=\"https:\/\/thepointsguy.com\/review-methodology\/\">Card rating<\/a> is based on the opinion of TPG&#8217;s editors and is not influenced by the card issuer.<\/em><\/h6>\n<hr class=\"jsx-3272990499\"\/>\n<p>Considering that the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ihg-rewards-premier-business-credit-card\/?pid=8249&amp;tid=post\" rel=\"noopener\" target=\"_blank\">IHG One \u202fRewards Premier Business Credit Card<\/a> has an annual fee of only $99, it offers a surprising number of perks for travelers and small-business owners who frequently stay with IHG. Compared to other hotel-branded business credit cards, the IHG Premier Business card has one of the lowest annual fees and may prove attractive simply for that reason.<\/p>\n<p>Benefits include automatic <a href=\"https:\/\/thepointsguy.com\/guide\/what-is-ihg-elite-status-worth\/\" rel=\"noopener\" target=\"_blank\">Platinum Elite status<\/a> as long as you&#8217;re a cardholder, a unique <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-get-ihg-fourth-night-free-award\/\" rel=\"noopener\" target=\"_blank\">fourth-night-free reward perk<\/a> when redeeming points for hotel stays and a generous welcome bonus.<\/p>\n<p>However, there&#8217;s one key perk on the card \u2014 the <a href=\"https:\/\/thepointsguy.com\/news\/ihg-award-night-certificate\/\" rel=\"noopener\" target=\"_blank\">free night certificate<\/a> received each year \u2014 that can easily cover the annual fee on the IHG Premier Business card. To be approved for this card, we recommend a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-credit-scores-work\/\" rel=\"noopener\" target=\"_blank\">credit score<\/a> of at least 670.<\/p>\n<p>Not every credit card is ideal for everyone, though. Let&#8217;s look at the details of the IHG Premier Business card to see if it&#8217;s right for your company.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-you-might-be-eligible-for-business-credit-card\/\" rel=\"noopener\" target=\"_blank\">Who qualifies for a business credit card?<\/a><\/strong><\/p>\n<p><a id=\"ihg-premier-business-pros-and-cons\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG Premier Business pros and cons<\/h2>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Pros<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>\n<ul>\n<li>Bonus points on IHG stays<\/li>\n<li>Automatic Platinum Elite status<\/li>\n<li>Free night certificate each year<\/li>\n<li>TSA PreCheck\/Global Entry statement credit<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Redemption options outside IHG properties aren&#8217;t as valuable<\/li>\n<li>$99 annual fee<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"ihg-premier-business-welcome-offer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG Premier Business welcome offer<\/h2>\n<p>New applicants for the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ihg-rewards-premier-business-credit-card\/?pid=8249&amp;tid=post\">IHG One Premier Business card<\/a> can earn 140,000 points after spending $4,000 in the first three months from account opening.<\/p>\n<p>Your bonus will come in the form of <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-points-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">IHG points<\/a>, which TPG pegs at half a cent each per our October 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>. Thus, this bonus is worth a healthy $700.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/06\/Chase-IHG-Premier-Business_2023_CCHH.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>As the card was launched in early 2022, most people should be eligible for the welcome bonus. However, it&#8217;s worth noting that there is a warning on the application page that you are not eligible for this bonus if you&#8217;ve received a welcome bonus on this card within the past 24 months.<\/p>\n<p>This card is ideal for those who are under <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">5\/24 with Chase<\/a>. While most business credit cards <a href=\"https:\/\/thepointsguy.com\/credit-cards\/these-business-cards-can-help-you-stay-under-chases-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">will not add to your 5\/24 status<\/a>, you do need to be under 5\/24 to apply for this card.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-track-progress-credit-card-sign-up-bonus\/\" rel=\"noopener\" target=\"_blank\">The ultimate guide to tracking your progress toward a credit card welcome bonus<\/a><\/strong><\/p>\n<p><a id=\"ihg-premier-business-card-benefits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG\u202fPremier Business card benefits<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/apply-now\/ihg-rewards-premier-business-credit-card\/?pid=8249&amp;tid=post\" rel=\"noopener\" target=\"_blank\">IHG One Premier Business card<\/a> has a modest $99 annual fee, but is it worth it? The card&#8217;s value depends on whether you&#8217;ll use its benefits frequently enough to justify that annual fee.<\/p>\n<p>First, each year on your cardmember anniversary (starting at the one-year mark and continuing each year after that, for as long as you keep the account open), you&#8217;ll receive a free night award valid for a single night, worth up to 40,000 points.<\/p>\n<p>Cardholders also enjoy <a href=\"https:\/\/thepointsguy.com\/guide\/what-is-ihg-elite-status-worth\/\" rel=\"noopener noreferrer\" target=\"_blank\">IHG One Rewards Platinum Elite<\/a> status automatically, as long as their account remains open. Platinum members receive 60% bonus earnings on paid stays <a href=\"https:\/\/thepointsguy.com\/guide\/booking-direct-ihg\/\" rel=\"noopener noreferrer\" target=\"_blank\">booked directly with IHG One Rewards<\/a>, space-available room upgrades, a welcome amenity (in the form of points or a drink\/snack) and <a href=\"https:\/\/thepointsguy.com\/news\/new-ihg-one-rewards\/\" rel=\"noopener\" target=\"_blank\">a handful of other perks<\/a>.<\/p>\n<p>For those interested in earning top-tier Diamond Elite status, you can attain this by spending $40,000 on your card in a calendar year. The status will be valid through Dec. 31 of the following year after meeting the spending threshold.<\/p>\n<p>You&#8217;ll also <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-get-ihg-fourth-night-free-award\/\" rel=\"noopener noreferrer\" target=\"_blank\">pay zero points for every fourth night<\/a> when redeeming IHG points for stays of four nights or longer. This is an automatic perk that should be reflected when booking. On stays of exactly four nights, this is essentially a 25% discount, so it&#8217;s a great way to get even more value out of the card.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">KATIE GENTER\/THE POINTS GUY<\/figcaption><\/figure>\n<p>That said, if you rarely redeem IHG points for stays of four nights or more, this perk may be of limited value.<\/p>\n<p>Available each account anniversary year, you&#8217;ll also earn 10,000 bonus points and a $100 statement credit after spending $20,000. TPG&#8217;s October 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener noreferrer\" target=\"_blank\">valuations<\/a> peg these bonus points at $50, and with the statement credit, that translates to a total value of $150.<\/p>\n<p>IHG Premier Business cardholders have a handful of other perks to utilize when you swipe your card:<\/p>\n<ul>\n<li><strong>Government security program application fee credit:<\/strong> You can be reimbursed up to $120 every four years when you charge a <a href=\"https:\/\/thepointsguy.com\/guide\/things-to-know-global-entry\/\" rel=\"noopener\" target=\"_blank\">Global Entry<\/a>, <a href=\"https:\/\/thepointsguy.com\/guide\/global-entry-vs-tsa-precheck\/\" rel=\"noopener\" target=\"_blank\">TSA PreCheck<\/a> or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/credit-cards-reimburse-nexus-application\/\" rel=\"noopener\" target=\"_blank\">Nexus<\/a> application fee to your card.<\/li>\n<li>Save 20% on the purchase of IHG points when you pay with your card.<\/li>\n<li>Up to $50 in United TravelBank credit each calendar year when you register your IHG One Premier card with your MileagePlus account.<\/li>\n<li><a href=\"https:\/\/thepointsguy.com\/credit-cards\/cards-rental-car-coverage\/\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Auto rental collision damage waiver<\/strong><\/a><strong>:<\/strong> When you decline the rental company&#8217;s collision insurance and charge the entire rental cost to your card, you&#8217;ll get coverage against theft and collision. However, coverage is secondary when renting within the U.S., though coverage is primary when renting for business purposes.<\/li>\n<li><strong><a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-trip-cancellation-interruption-protection\/\" rel=\"noopener noreferrer\" target=\"_blank\">Trip cancellation and trip interruption insurance<\/a>:<\/strong> You can be reimbursed up to $1,500 per person and up to $6,000 per trip for prepaid, nonrefundable travel expenses if your trip is canceled or cut short for a covered reason.<\/li>\n<li><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-purchase-protection\/\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Purchase protection<\/strong><\/a><strong>:<\/strong> Your new purchases are covered for 120 days against damage or theft; there is a limit of $10,000 per claim and up to $50,000 per account.<\/li>\n<\/ul>\n<p>These benefits can be nice to have when things go wrong.<\/p>\n<p><a id=\"earning-points-on-the-ihg-premier-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Earning points on the IHG Premier Business card<\/h2>\n<p>Generally speaking, you won&#8217;t get fantastic earning rates on most <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hotel\/\" rel=\"noopener noreferrer\" target=\"_blank\">hotel credit cards<\/a> \u2014 especially on broad categories like dining and groceries. That said, the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ihg-rewards-premier-business-credit-card\/?pid=8249&amp;tid=post\" rel=\"noopener\" target=\"_blank\">IHG One Premier Business card<\/a> could be a solid option, especially at participating IHG properties.<\/p>\n<p>When you use your card at IHG hotels and resorts, you&#8217;ll earn 10 points per dollar spent on your stay. This is in addition to the 10 base points that all IHG One Rewards members accrue at most participating brands. And since you have automatic Platinum Elite status with the card, that&#8217;ll give you another 60% bonus on top of the base points. When combined, that translates to a total of 26 points per dollar spent on most IHG stays \u2014 or a 13% return on spending, based on TPG&#8217;s October 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>.<\/p>\n<p>Beyond IHG purchases, cardholders of the IHG Premier Business will earn points at the following rates:<\/p>\n<ul>\n<li>5 points per dollar spent on travel, dining and gas purchases<\/li>\n<li>5 points per dollar spent in select business categories, such as social media and search engine advertising and at office supply stores<\/li>\n<li>3 points per dollar spent on all other purchases<\/li>\n<\/ul>\n<p>That translates to a 2.5% return on the bonus categories based on TPG&#8217;s October 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>, though it drops to 1.5% on everyday purchases \u2014 a rate of return lower than <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-two-percent-cash-back-cards\/\" rel=\"noopener\" target=\"_blank\">many other cards<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/earn-points-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">13 ways to earn IHG One Rewards points<\/a><\/strong><\/p>\n<p><a id=\"redeeming-points-on-the-ihg-premier-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Redeeming points on the IHG\u202fPremier Business card<\/h2>\n<p>Like many competitors, IHG One Rewards doesn&#8217;t publish an award chart; instead, it uses dynamic award pricing. The program&#8217;s website indicates that free nights start at 10,000 points, although it&#8217;s possible to find rooms priced as low as 5,000 points.<\/p>\n<p>On the other end, there&#8217;s no published maximum rate, although for IHG&#8217;s core brands, the highest we&#8217;ve seen is 120,000 points per night. However, properties in partner brands such as <a href=\"https:\/\/thepointsguy.com\/news\/six-senses-bookable-ihg-points\/\" rel=\"noopener\" target=\"_blank\">Six Senses<\/a> frequently exceed this.<\/p>\n<p>Despite this award pricing model, there are still ways to <a href=\"https:\/\/thepointsguy.com\/guide\/maximizing-redemptions-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">maximize IHG One Rewards redemptions<\/a>. In fact, you may be able to <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-points-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">redeem IHG One Rewards points<\/a> for significantly more value if you spend some time searching.<\/p>\n<p>You&#8217;re not limited to only using points for your stay. You can also book rooms using a combination of points and cash, which can offer decent value in certain circumstances.<\/p>\n<p>However, it&#8217;s worth noting just how these reservations are confirmed. IHG effectively sells you the extra points (for cash) and then uses the full number of points for the stay. You usually pay 0.63 to 0.66 cents for each IHG point used to make up the difference. IHG often sells points at this price (or cheaper), which can be another way to top off your account.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:39.36348408710218%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">IHG.COM<\/figcaption><\/figure>\n<p>As noted above, when you redeem points for a stay of four nights or longer, every fourth night of that stay <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-get-ihg-fourth-night-free-award\/\" rel=\"noopener\" target=\"_blank\">will cost zero points<\/a>. There&#8217;s no limit to how often you can use this benefit \u2014 though it only applies to full award stays, not those booked using cash and points.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-points-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">How to redeem points with the IHG One Rewards program<\/a><\/strong><\/p>\n<p><a id=\"which-cards-compete-with-the-ihg-premier-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Which cards compete with the IHG Premier Business card?<\/h2>\n<p>As the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ihg-rewards-premier-business-credit-card\/?pid=8249&amp;tid=post\" rel=\"noopener\" target=\"_blank\">IHG Premier Business card<\/a> is a hotel credit card aimed at small-business owners, it&#8217;s worth looking at how it stacks up against other hotel-branded business credit cards.<\/p>\n<ul>\n<li><strong>If you&#8217;re looking for a card with Hyatt status and perks:<\/strong> The <a href=\"https:\/\/thepointsguy.com\/apply-now\/world-of-hyatt-business-credit-card\/?pid=8017&amp;tid=post\" rel=\"noopener\" target=\"_blank\">World of Hyatt Business Credit Card<\/a> offers automatic Discoverist status with World of Hyatt (the lowest tier) and a path toward higher status levels through credit card spending. It does have a higher annual fee at $199 but offers perks like up to $100 in spending credits with Hyatt each cardmember year and the ability to get 10% of your redeemed points back if you meet a minimum spending threshold in a calendar year. For more information, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/world-of-hyatt-business-credit-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the World of Hyatt Business card<\/a>.<\/li>\n<li><strong>If you&#8217;re looking for a card with Hilton status and perks:<\/strong> <a href=\"https:\/\/thepointsguy.com\/apply-now\/hilton-honors-american-express-business-card\/?pid=220312352&amp;tid=post\" rel=\"noopener\" target=\"_blank\">The Hilton Honors American Express Business Card<\/a> also has a higher $195 annual fee (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-hilton-honors-american-express-business-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>) and comes with automatic mid-tier Gold status with Hilton Honors. For more information, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/credit-card-review-hilton-honors-american-express-business-card\/\" rel=\"noopener\" target=\"_blank\">full review of the Hilton Honors Amex Business card<\/a>.<\/li>\n<li><strong>If you&#8217;re looking for top-tier status with a low annual fee:<\/strong> The Wyndham Rewards Earner\u00ae Business Card from Barclays comes with automatic top-tier Wyndham Rewards Diamond status for an annual fee of only $95. This card also carries perks like 10% points discounts on award stays and 15,000 bonus points on each cardmember anniversary. For more information, see our post on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-wyndham-credit-cards\/\" rel=\"noopener\" target=\"_blank\">which Wyndham card is right for you<\/a>.<\/li>\n<\/ul>\n<p><em>The information for the Wyndham Rewards Earner Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p>For additional options, check out our full list of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hotel\/\" rel=\"noopener\" target=\"_blank\">hotel credit cards<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener\" target=\"_blank\">business credit cards<\/a>.<\/p>\n<p><strong>Read more: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-hotel-credit-cards-with-annual-fees-under-100\/\" rel=\"noopener\" target=\"_blank\">The best hotel credit cards with annual fees under $100<\/a><\/strong><\/p>\n<p><a id=\"is-the-ihg-premier-business-card-worth-it\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Is the IHG Premier Business card worth it?<\/h2>\n<p>Yes \u2014 as long as you can make the most of the card&#8217;s perks. The IHG Premier Business card has an annual fee of $99 and offers an annual free night award that can easily be redeemed for more value than that. Cardholders also earn points at solid rates when making purchases in bonus categories, though the earning rate on everyday purchases isn&#8217;t fantastic.<\/p>\n<p>The complimentary Platinum Elite status with IHG One Rewards, travel protections, United TravelBank credit and reimbursement for government security screening programs also provide value.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Small-business owners loyal to IHG or even those simply looking to diversify their travel strategy can find sufficient value to justify the card&#8217;s annual fee each year. However, that requires using the perks, so make sure you can do that. Otherwise, you may struggle to justify keeping the card past the first year.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <a href=\"https:\/\/thepointsguy.com\/apply-now\/ihg-rewards-premier-business-credit-card\/?pid=8249&amp;tid=post\" rel=\"noopener\" target=\"_blank\">IHG One\u202fRewards Premier Business Credit Card<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><em>For rates and fees of the Hilton Business Amex, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-hilton-honors-american-express-business-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>IHG One\u202fRewards Premier Business Credit Card overview The IHG One Rewards Premier Business Credit Card offers sufficient perks that, if utilized, can easily justify the card&#8217;s annual fee of $99. However, business owners who aren&#8217;t loyal to IHG One Rewards may be better off with another business card. Card Rating*: \u2b50\u2b50\u2b50\u2b50 *Card rating is based 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href=\"https:\/\/travelaffiliatewebsite.com\/mer\/category\/travel\/\" rel=\"category tag\">Travel<\/a>","rttpg_excerpt":"IHG One\u202fRewards Premier Business Credit Card overview The IHG One Rewards Premier Business Credit Card offers sufficient perks that, if utilized, can easily justify the card&#8217;s annual fee of $99. However, business owners who aren&#8217;t loyal to IHG One Rewards may be better off with another business card. Card Rating*: \u2b50\u2b50\u2b50\u2b50 *Card rating is based&hellip;","_links":{"self":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/9670"}],"collection":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/comments?post=9670"}],"version-history":[{"count":1,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/9670\/revisions"}],"predecessor-version":[{"id":9672,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/9670\/revisions\/9672"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media\/9671"}],"wp:attachment":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media?parent=9670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/categories?post=9670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/tags?post=9670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}