IHG Premier Enterprise Card evaluation: The annual price is justified

The IHG One Rewards Premier Enterprise Credit score Card (see charges and charges) 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 relies 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 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 enticing merely for that purpose.

Advantages embrace 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 priceless welcome bonus. One key perk — the free evening certificates acquired annually — can simply cowl the annual price on the IHG Premier Enterprise card.

We suggest a credit score rating of a minimum of 670 to extend your probabilities of approval for this card.

Let us take a look at the small print of the IHG Premier Enterprise card to see if it is proper in your firm.

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 keeping with TPG’s September 2025 valuations, the welcome provide is value as much as $1,000.

That is the highest provide we have seen on this card and was beforehand obtainable from March to April 2025. When you missed your probability to use again then, now is a good time to benefit from the provide if this card has been in your radar.

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It is value noting that the appliance web page warns that you’re not eligible for this bonus if you happen to’ve acquired a welcome bonus on this card inside the previous 24 months.

This card is good for Chase clients beneath 5/24. Whereas most enterprise bank cards is not going to have an effect on your 5/24 standing, you do must be beneath 5/24 to use.

Associated: The best way to observe your progress towards a bank card welcome bonus

The IHG Premier Enterprise card has a modest $99 annual price, however is it value it? The cardboard’s worth depends upon whether or not you will use its advantages continuously 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 will obtain a free evening award legitimate for a single evening, value as much as 40,000 factors.

Cardholders additionally mechanically 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 instantly 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 focused on 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 via Dec. 31 of the next 12 months.

When redeeming IHG factors for stays of 4 nights or longer, you will additionally pay zero factors for each fourth evening. That is an automated perk that’s mirrored when reserving. It is primarily 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 mentioned, if you happen to 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 will 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 while you swipe your card:

• TSAPrecheck/World Entry utility price credit score: Once you cost a World Entry, TSA PreCheck or Nexus utility price to your card, you will 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 together with your card.
• United TravelBank: 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 injury waiver: Once you decline the rental firm’s collision insurance coverage and cost all the rental value to your card, you will get protection in opposition to theft and collision. Protection is secondary when renting inside the U.S., however main when renting for enterprise functions.
• Journey cancellation and journey interruption insurance coverage: You will 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 reduce brief for a coated purpose.
• Buy safety: Your new purchases are coated for 120 days in opposition to injury 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.

Typically, you will not get improbable incomes charges on most lodge bank cards — particularly on broad classes like eating and groceries. That mentioned, the IHG Premier Enterprise card might be a strong choice, particularly at taking part IHG properties.

Once you use your card at IHG motels and resorts, you will 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 provide you with 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, primarily based 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, motels (non-IHG properties) and gasoline 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 primarily based on TPG’s September 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: The best way to earn IHG factors through stays, bank cards and extra

On the opposite finish, there is no printed most fee, though for IHG’s core manufacturers, the very best we have seen is 120,000 factors per evening. Nevertheless, properties in companion manufacturers equivalent to Six Senses continuously exceed this.

Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. In actual fact, you might be able to redeem IHG One Rewards factors for considerably extra worth if you happen to spend a while looking.

You are not restricted to solely utilizing factors in your keep. You too can e-book 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 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 will 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 value zero factors. There is not any restrict to how usually you should utilize this profit — although it solely applies to full award stays, not these booked utilizing money and factors.

Associated: The best way to redeem IHG One Rewards factors for lodge stays

Because the IHG Premier Enterprise card is a lodge bank card geared toward small-business house owners, it is value taking a look at the way it stacks up in opposition to different hotel-branded enterprise bank cards.

The data 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 perfect lodge bank cards with annual charges beneath $100

Sure — so long as you may take advantage of 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 strong charges when making purchases in bonus classes, although the incomes fee on on a regular basis purchases is not improbable.

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 lodge manufacturers, we would suggest a extra basic enterprise bank card as an alternative to maximise your probability of incomes priceless rewards.

Apply right here: IHG Premier Enterprise card

For charges and charges of the Hilton Enterprise Amex, click on right here.