IHG One Rewards Premier Enterprise Credit score Card overview
*Card ranking relies 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 charge of solely $99, it affords 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 should show engaging merely for that purpose.
Advantages embody 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 precious welcome bonus. One key perk — the free evening certificates acquired every year — can simply cowl the annual charge on the IHG Premier Enterprise card. We advocate a credit score rating of a minimum of 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 professionals and cons
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IHG Premier Enterprise welcome provide
Your bonus will come within the type of IHG factors, that are value 0.5 cents every in keeping with TPG’s March 2025 valuations. Thus, this bonus is value as much as $1,000.
This is likely one of the highest affords we have seen on this card. The standard provide is about 140,000 bonus factors (value $700, in keeping with TPG’s March 2025 valuations), so the present elevated bonus is one to leap on.
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It is value noting there’s a warning on the appliance web page that you’re not eligible for this bonus for those who’ve acquired a welcome bonus on this card throughout the previous 24 months.
This card is good for Chase clients underneath 5/24. Whereas most enterprise bank cards is not going to have an effect on your 5/24 standing, you do should be underneath 5/24 to use.
Associated: How one can observe your progress towards a bank card welcome bonus
IHG Premier Enterprise card advantages
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, value as much as 40,000 factors.
Cardholders additionally routinely 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 fascinated by 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.
You will additionally pay zero factors for each fourth evening when redeeming IHG factors for stays of 4 nights or longer. That is an computerized 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 stated, for those who hardly ever redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.
Every calendar 12 months you spend $20,000, you may earn 10,000 bonus factors and a $100 assertion credit score. TPG’s March 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 while you swipe your card:
- TSAPrecheck/World Entry utility charge credit score: You could be reimbursed as much as $120 each 4 years while you cost a World Entry, TSA PreCheck or Nexus utility charge to your card.
- Save 20% on the acquisition of IHG factors while you pay together with your card.
- As much as $50 in United Airways TravelBank money every calendar 12 months while 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 your complete rental price to your card, you may get protection towards 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 could 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 minimize brief for a coated purpose.
- Buy safety: Your new purchases are coated for 120 days towards harm or theft. There’s a restrict of $10,000 per declare and as much as $50,000 per account.
These advantages could be good to have when issues go fallacious.
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 One Premier Enterprise card might be a stable possibility, particularly at taking part 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 every one IHG One Rewards members accrue at most taking part manufacturers. And since you’ve gotten computerized 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 March 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, lodges (non-IHG properties), eating and gasoline purchases
- 5 factors per greenback spent on 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 based mostly on TPG’s March 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: How one can earn IHG factors through stays, bank cards and extra
Redeeming factors on the IHG Premier Enterprise card
Like many opponents, 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 isn’t any printed most charge, though for IHG’s core manufacturers, the very best we have seen is 120,000 factors per evening. Nevertheless, properties in companion manufacturers akin to Six Senses continuously exceed this.
Regardless of this award pricing mannequin, there are nonetheless methods to maximise IHG One Rewards redemptions. In truth, you might be able to 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 to your keep. You can even ebook rooms utilizing a mixture of factors and money, which might provide 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 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 usually sells factors at this worth (or cheaper), which could be one other strategy to high off your account.
As famous above, while you redeem factors for a keep of 4 nights or longer, each fourth evening will price zero factors. There isn’t any restrict to how usually you need to use this profit — although it solely applies to full award stays, not these booked utilizing money and factors.
Associated: How one can 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 supplied by the cardboard issuer.
Learn extra: The most effective lodge bank cards with annual charges underneath $100
Is the IHG Premier Enterprise card value it?
Sure — so long as you’ll be able to profit from the cardboard’s perks. The IHG One Premier Enterprise card has an annual charge of $99 and affords 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 homeowners loyal to IHG or these merely seeking to diversify their journey technique can discover adequate worth to justify the cardboard’s annual charge every year. If you end up underutilizing the perks or reserving stays at various lodge manufacturers, we would advocate a extra normal enterprise bank card as an alternative to maximise your probability of incomes precious 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.
