IHG One Rewards Premier Business Credit Card Review
Key Takeaways
The IHG One Rewards Premier Business Card is a great long-term option for small business owners, especially if you stay at IHG at least once per year. The free anniversary night (up to 40,000 points) can justify the $99 annual fee on its own. Add in a 140,000 (current special 140,000)-point bonus, Platinum Elite status, and the 4th night free benefit, and it offers consistent value. It also won’t count against your 5/24 status, making it an smart addition to your card repertoire.
Why This Card Could Be Right For You
If you’re looking to diversify beyond transferable point systems like Chase, Amex, and Capital One, and want a hotel-specific card, the IHG One Rewards Premier Business card is a solid option.
You’ll earn a 140,000 (current special 140,000)-point sign-up bonus after $4,000 (currently $4,000) in the first 3 months. The $99 annual fee is easy to justify with the free anniversary night (worth up to 40,000 points). The unlimited 4th night free benefit adds even more value, especially on longer award stays. Here are some other card benefits:
- Platinum Elite status for as long as you hold the card
- Global Entry, TSA PreCheck, or NEXUS statement credit
- No impact on Chase 5/24 status
- 5x points on travel, gas, dining, social media/search engine advertising, and office supply stores
When The Usual Advice Doesn't Apply
This card might not be a good fit if you never stay at IHG properties, making the free night benefit useless.
What to Know About IHG One Rewards
IHG is our “utility” hotel points system. If you just need a night or two, and aren’t looking for glitz and glamor, IHG points go a long way.
- The IHG brand consists mostly of Holiday Inns, which are in nearly every small town or international city you might want to stay. We use it as the Hyatt’s “not there” filler.
- There are also several luxury hotels part of IHG’s umbrella, and while redemptions can be high, there is plenty of variety in IHG properties
- The generous sign-up bonuses (especially if you wait for a special offer) will cover 6-8 nights per card.
- IHG is part of the Chase partner rewards system, but IHG redemptions can be very high, so this isn't usually a great transfer option except for topping off.
How The IHG One Rewards Premier Business Credit Card Fits In The IHG One Rewards Ecosystem
The IHG One Rewards Premier Business card is nearly identical to the personal Premier card, but it won’t count against Chase’s 5/24 limit, making it a great option for those nearing their 5/24 cap.
If you don’t qualify for a business card, IHG offers two personal card options:
- IHG One Rewards Club Premier ($99 annual fee) You'll get a 140,000-point sign-up bonus after $3,000 in spending in 3 months. You also get a free anniversary night each year (up to 40k points). Plus you're eligible for the "4th night free on award" stays. The card also comes with Platinum Elite status.
- IHG One Rewards Traveler (No annual fee). You'll get a 80,000-point sign-up bonus on a $2,000 spend in 3 months) and Silver Elite status. There is no free anniversary night with this card, but you will get your 4th night free on award stays.
If you’re near Chase’s 5/24 limit, the IHG One Rewards Premier Business card is a better option, as it won’t count against 5/24 but still offers all the same benefits as the personal Premier card.
My Experience, No Filter
For us, this business card was a no-brainer. The solid sing-up bonus and the free anniversary night alone made it worth adding. And the 4th night free on award stays gave us even more value. Plus, its business classification makes it a great 5/24 workaround for Chase enthusiasts. We've used this card and IGH points plenty of times when we couldn't find a Hyatt close by.
Card Information
Differentiating Perks
Card Extras
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Historical Card Offers
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IHG One Rewards Premier Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months.
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
